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Renters Insurance in and around Erie There’s No Place Like Home The place you call home is the cornerstone for everything you hold dear. It’s where you build a life with family and friends. Home is truly where your heart is. That’s why, even if you live in a rented property or apartment, you should have renters insurance—especially if you own items that would be difficult to fix or replace. It's coverage for the things you do own, like your couch and sports equipment... even your security blanket. You'll get that with renters insurance from State Farm. Agent Mike Samueloff can roll out the welcome mat with the dedication and competence to help you insure your precious valuables. Skilled care and service like this is what sets State Farm apart from the rest. When you're covered by State Farm, your rental can be home sweet home. Protect Your Home Sweet Rental Home Renters frequently underestimate the cost of replacing their belongings. Just because you are renting a apartment or townhome, you still own plenty of property and personal items—such as a a video game system, tablet, tool set, and more. All of these have value, which would be a real loss if damaged or destroyed. That's why you need renters insurance from State Farm. Why purchase your renters insurance from Mike Samueloff? You need an agent who wants to help you choose the right policy and evaluate your risks. With wisdom and skill, Mike Samueloff is committed to helping you keep your belongings protected. Don’t let concerns about protecting your personal belongings make you unsettled! Visit State Farm Agent Mike Samueloff today, and see how you can benefit from State Farm renters insurance. Mike SamueloffState Farm® Insurance Agent Erie, PA 16506-4563

https://insurancewithmike.com/insurance/renters

Using AI to Detect Financial Fraud: Increasing Security First of all, In the banking industry, artificially intelligent (AI) has become a potent ally, especially when it comes to fraud detection. This article examines how artificial intelligence (AI) technologies are changing the financial security environment and improving fraud detection systems’ capacity to defend against new threats and preserve the interests of financial institutions including their clients. - The Financial Fraud Evolution: Give a summary of how financial fraud has changed throughout time, emphasizing the complexity and variety of contemporary fraudulent activity. Talk about the difficulties that conventional fraud detection techniques have in keeping up with the ever-evolving strategies. - The Function of AI in Identifying Fraud Discover how machine learning methods, analytics for prediction, and pattern recognition are being used by AI to transform fraud detection. Talk about how AI can evaluate massive volumes of knowledge in real time and help identify questionable activity proactively. - Applications of Machine Learning Models: Analyze the real-world uses of statistical models for identifying financial fraud. Talk about how these algorithms improve accuracy and lower false positives by using historical data to find oddities, patterns, and trends that point to fraudulent activity. - Anomaly detection and behavioral analytics: Examine how anomaly detection and behavioral analytics contribute to AI-powered fraud prevention. Talk about how AI systems examine user behavior, both individually and collectively, to spot anomalies from the norm that could point to fraud. - Intelligent Tracking and Warnings: Talk about the benefits of real-time monitoring made possible by AI systems. Discover how artificial intelligence algorithms can evaluate transactions in real time, identifying suspicious activity and sending out notifications for rapid follow-up to minimize losses. - Biometrics Integration for Increased Security: Analyze how biometric identification is incorporated into AI-powered fraud detection systems. Talk about the additional security that biometric data—like fingerprints or face recognition—provides by verifying the identification of the parties involved in financial transactions. - Counterproductive Machine Learning Techniques & Countermeasures: Address the issues given by adversarial artificial intelligence methods deployed by fraudsters. Talk about the techniques and countermeasures used by AI systems to identify and defeat hostile efforts to trick or manipulate their fraud detection algorithms. - ** Explainability and Regulatory Compliance:** Examine how crucial it is to adhere to regulations while using AI-based systems that detect fraud. Talk about how AI algorithms must be transparent and comprehensible in order to comply with regulations and foster confidence among stakeholders and financial institutions. - Ongoing Education and Flexibility: Talk about how AI systems are flexible when it comes to detecting fraud, highlighting how they can constantly learn and adapt to remain ahead of new threats. Examine how regular training and updates guarantee AI models’ efficacy in the face of changing fraud strategies. Using AI to identify financial fraud is a proactive and adaptable way to deal with the constantly shifting financial danger environment. Financial institutions may fortify their security protocols, safeguard assets, and cultivate a more secure and robust financial ecosystem by using the potential of machine learning as well as advanced analytics.

https://lebensversicherungonline.top/security/

Our Insurance Agency is built on a foundation of trust, integrity, and exemplary service. John Kraft-State Farm Insurance Our Insurance Agency is built on a foundation of trust, integrity, and exemplary service. My team and I make it our daily business to be “Like a Good Neighbor.” Therefore providing remarkable service and making insurance recommendations that are always in our clients’ best interest, whether it’s life insurance, car insurance or any other types of insurance, including term life insurance. I am proud of my 10-member staff with over 200 years of experience. We can provide car insurance quotes based on your zip code and other factors. The agency has been recognized in the following publications for one of the best insurance agencies in the DFW area: - D Magazine, Texas Monthly, - The Plano Star-Courier, - Better Business Bureau I am especially grateful to the 5,000+ clients that we consider friends and who have contributed to our success. They remain our primary focus. For more information click HERE. Call us today! Grow your business with Plano Moms Millions of people are on Plano Moms looking for businesses like yours. Show them why they should choose you. Claim your listing and start telling your story your way: Upload photos, collect and respond to reviews, update your business info, and more. Click the Claim Listing button and register on the next screen to begin the process.

https://planomoms.com/directory-listing/john-kraft-state-farm-insurance/

When an individual begins to seek compensation for their injury and losses they often wonder whether to file a worker’s comp claim, PI claim, or both. A typical injury case gives rise to a personal injury case, however, when the same incident takes place at work, an individual must pursue a worker’s compensation case to obtain damages. This presents a question: should an individual seek a personal injury case, worker’s compensation, or both? Let’s check it out. Choosing between workers’ compensation and a personal injury claim is not extremely difficult, but does require some considerations. If an individual sustains an on-the-job injury and there is no third party involved in the accident, they may simply pursue a workers’ compensation case. The personal injury claim comes into play when there is a third party involved in the accident that caused an injury to the individual. The real challenge comes when deciding whether an individual should pursue both of these options to obtain compensation for their loss and suffering. Facts and circumstances pertaining to every case are different, thus obtaining the services of a competent Lake County personal injury lawyer can be helpful in determining the legal routes that are available in your case. In Illinois, employers are required by law to provide worker’s compensation to their employees. Your employer is obligated by the law to file a worker’s compensation claim for your incident, but that does not mean that you cannot pursue a personal injury claim, provided that a third party was involved in the accident. This type of personal injury claim is also known as a third party liability claim as the involvement of a third party is imperative to initiate a claim. For instance, if you have sustained an injury due to defective equipment at work, the manufacturer of that faulty equipment would be constituted as the third party. There are a few key differences that you must consider when exploring your options. While the workers’ compensation is filed against the employer’s workers’ compensation insurance company, the personal injury claim is filed against the insurance company of the third party whose negligence caused you the injury. In a workers’ compensation claim, you may receive benefits regardless of fault unlike a third-party injury claim, where your Antioch personal injury lawyer needs to prove the negligence of the defendant to pursue rightful compensation. Furthermore, in a workers’ compensation claim, you may only be able to obtain statutory damages including lost wages and medical expenses. However, in a personal injury claim, a competent personal injury lawyer may help you to obtain damages for pain and suffering, and emotional distress that you had to suffer due to negligence of the third party. If you wish to find out more about this topic or schedule a free consultation, contact the offices of Robert Edens at (847) 395-2200 to speak with an experienced personal injury lawyer. (Content updated 12/2/2021)

https://robertedenslawoffice.com/wc-pi-or-both/

How To Become An Independent Insurance Agent In Georgia – Any seasoned baker will tell you that it’s not as easy to bake as the recipe suggests. The new baker must observe the seniors, take notes, and practice hard. If you are an independent insurance agent who wants to start an independent insurance agency, then you should take notes like a new baker. However, there are some shortcuts to building a great insurance agency and getting insurance leads. Your hard work and flexibility won’t be second to none of these shortcuts, but it will help you in the long run. How To Become An Independent Insurance Agent In Georgia As an insurance agent, you play a crucial role in purchasing insurance. Customers are generally reluctant to buy insurance and seek expert advice. Celebrating Independent Insurance Agents Day Agent advice is more important to clients when it comes from an independent agent who offers more options. Independent insurance agents sell one or more types of insurance, including life, health, property, and casualty insurance. Unlike tied agents, independent agents are not tied to a specific product or carrier, which gives them flexibility. The pay isn’t bad either. According to the Bureau of Labor Statistics, the median annual salary for an independent insurance agent in the United States in 2020 was $52,180. Commissions allow successful agents to earn high earnings. Commissions from updated policies allow them to earn passive income. But before these agents can earn money to renew, they need to build their agency. Starting an independent insurance company traditionally requires a lot of money, time and effort. Starting a business from scratch may seem easy, but building an agency takes a lot of effort. However, it wouldn’t be cheating if it didn’t work, right? You have two options: Is Your Insurance Agency Convenient Or Will Independent Insurance Agencies End Up Like Blockbuster? Independent insurance agents can purchase a business book from their current insurance agency. Depending on how profitable it is, it could cost anywhere from $250,000 to $500,000 or more, according to BayState Real Estate Brokers. You may not want to walk away with too much money, even if your agent has handed it over to you. This is similar to a sole proprietorship. Proxy models are designed to support your independent agencies with accuracy and accountability. You can focus on selling insurance while your agent provides all the operational support you need. Franchising allows you to build an insurance business, and how much you add to your books is entirely up to you. They will give you all the help you need and also provide you with insurance providers. Although the franchisee has to pay a lot of fees, your agent is associated with an established brand, which increases the company’s goodwill. This agency model may not provide enough room to train independent insurance agents due to non-compete clauses in contracts. How Does An Insurance Broker Make Money? For example, Brightway Insurance is one of the best-performing companies operating under a franchise model of independent insurance agents. With an impressive initial fee of up to $50,000, some insurance companies offer trusted branding, operational support, lead generation services and technical support. It may seem like a good investment at first, but you should be aware that a 2-year non-compete clause can end the agency abruptly if you decide to leave. In addition, the demand for office space raises the barrier to entry significantly. If setting up your own independent insurance agency through a franchise isn’t your cup of tea, you may want to consider working in an FMO model. This model has become popular as it offers agents the same services as franchises. In most cases, they share the commission with their agents. Commissions average 70/30 between FMO and agent. Covered by SAGE, a Georgia-based start-up insurance agency, it operates under the FMO model. Their commission split is the best in the industry, 80/20 in the first year and 50/50 in renewals. Qualities That Make A Good Insurance Agent The company is just over a year old, has a lot of background and capital, and they want to prove themselves. Offers great opportunities for agents on the East Coast covered by SAGE. Although they are new, their vision to “lead industry transformation with agents front and center” is exciting. Apart from high commission, they also support insurance products, service support, marketing and lead generation. It’s easy to see why more independent insurance agents are turning to FMO’s insurance model recently. FMO models provide agents with the same freedom. The main objective of these FMOs is to facilitate the welfare of agents. New FMOs may offer better distribution to agents than established ones, but both encourage growth and smooth operations. Why Work With An Independent Insurance Agent? As a prospective office owner, you may have many options at your disposal. It is important that you choose the right agent based on your goals and mission. However, you also need to understand which of these models will drive growth for your company and value. Independent insurance companies need a nurturing environment to thrive. A closer look at agency models suggests that the FMO model may have the best chance of dominating the insurance industry. After more layoffs, let’s take a look at how it affects your employees and your business. Explore the reasons behind layoffs at Farmers Insurance after GEICO and Allstate and learn about the industry impact of the changing insurance landscape. First, I know you care about people and appreciate helping them manage their risks so they can protect themselves. , their businesses and their families from unexpected misfortunes and disasters. Ksp Insurance Agency He has built his business and life around aligning insurance products that best help and serve people, and he has developed a knack for spotting the unique details and situations that make each client unique. You may have built your insurance career as an insurance agent, but these two traits of personal care and attention to detail are the next logical steps in your career to become an independent insurance agent. As you know, being an independent broker gives you access to many different insurance companies and the opportunity to help more people with a wider range of services. As an independent agent, you’re not limited to your company’s fixed-price offerings, but have access to an arsenal of coverage options and pricing models to best meet the needs of your individual clients. As an independent agent, you can better customize your products and risk management tools to fit your clients’ needs, budgets and coverage issues. Simply put, as Investopedia puts it: “Independent insurance agents are considered to offer more insurance products to their clients than independent financial advisors. They consider the different coverage needs of the customer and choose the policy that provides the necessary coverage at the right price.” Partnering For Success: Navigating The Challenges Of Being An Independent Insurance Agent I started my career as a captive agent, but was always frustrated that I couldn’t build an insurance portfolio that gave exactly what my clients were looking for. I know that many times they can find cheaper options that better suit their preferences. I wanted to provide the best possible service to my clients, and as a hostage agent I realized that I didn’t always do my best to serve the client. My hands are tied. Your hands are tied with what you can offer your friends, family and clients. Sometimes they’ll stick to whatever standards they want to sell insurance products you don’t like or support options that don’t make much sense for a particular customer. Become A Broker As someone who got into this industry to help people improve their financial lives and manage risk, being an independent broker has been the most rewarding experience for me. If your goal is to give your customers what they want, without worrying about what your service provider wants, becoming an independent agent is the right move for you. Do you work for a company? You can remove existing restrictions and instead use multiple devices at the best price to better meet customer needs. Being a captive agent is like an arrow in a bow. If you miss the target using this arrow, you’re out of luck. But you have a better chance than a shaker full of arrows How to become an independent travel agent, how to become an independent agent, how to become a independent travel agent, how to become an independent auto insurance agent, how to become an independent travel agent for free, how to become an independent life insurance agent, how to become an independent health insurance agent, become an independent insurance agent, how to become an independent insurance agent, become an independent travel agent, how to become an independent insurance agent in texas, how to become an insurance agent in georgia

https://sepakbolamajuterus.com/how-to-become-an-independent-insurance-agent-in-georgia/

Fire Watch is a fundamental assistance intended to keep up with wellbeing and forestall fire dangers, especially in conditions where the gamble of fire is raised or when standard fire discovery and concealment frameworks are not functional. This help includes the organization of prepared faculty who are liable for directing persistent reconnaissance of an assigned region to distinguish and address potential fire chances. Key Elements of Fire Watch The essential obligations of Fire Watch staff include: Constant Observing: Directing normal watches of the property to identify any indications of fire or conditions that could prompt a fire episode. Recognizing Perils: Spotting potential fire dangers and finding a way prompt ways to moderate them. Crisis Reaction: Acting quickly in the event that a fire is distinguished, including telling the local group of fire-fighters and starting departure methodology if vital. Record Keeping: Keeping up with definite logs of movements of every sort and perceptions made during the fire watch, which are urgent for consistence with fire wellbeing guidelines. Guaranteeing Consistence: Assisting with guaranteeing that the premises stick to nearby fire codes and security norms. Significance of Fire Watch Administrations Fire Watch administrations are basic in different settings, for example, Building Destinations: Where materials and continuous work can present critical fire chances. Modern Offices: Particularly those that handle combustible materials or synthetic compounds. Business and Private Structures: During periods when alarm or sprinkler frameworks are under upkeep or fix. Exceptional Occasions: In scenes where enormous groups accumulate and impermanent designs are utilized. Preparing and Abilities of Fire Watch Staff Fire Watch work force are regularly prepared in: Fire security and counteraction rehearses. Fundamental firefighting procedures and the utilization of fire dousers. Crisis departure methodology. Consistence with fire security guidelines. Picking a Fire Watch Administration While choosing a Fire Watch administration, significant contemplations include: Experience and Skill: Select a help with a demonstrated history in fire watch. Affirmed Faculty: Guarantee that the work force are appropriately prepared and ensured in fire wellbeing. Tweaked Arrangements: Search for administrations that tailor their way to deal with your particular necessities and dangers. Accessibility: Pick a help that can propose nonstop observing, as fire dangers can happen whenever. Progressions in innovation, like warm imaging cameras and high level fire recognition frameworks, are progressively being coordinated into Fire Watch administrations, upgrading their capacity to distinguish potential fire dangers immediately. Fire Watch is a basic assistance for guaranteeing the wellbeing of properties and people in conditions defenseless to fire chances. By utilizing gifted experts who are capable in distinguishing and relieving fire dangers, Fire Watch administrations assume a basic part in shielding lives and properties from the overwhelming effect of flames. For anybody dealing with an office or putting together an occasion where fire chances are available, enrolling the administrations of a capable Fire Watch supplier is a vital stage towards guaranteeing thorough wellbeing and consistence with fire security guidelines.

https://stonesmentor.com/fire-watch-a-vital-service-for-ensuring-safety-and-preventing-fire-hazards/

Owning a car is a major responsibility that involves complying with legal requirements like registration and insurance. Many drivers wonder – can I register my car without insurance? The short answer is: it depends on the state. While some states allow initial registration without immediate proof of insurance, driving uninsured after registration can result in serious penalties. This article examines the legal landscape, risks, and best practices around registering and operating a vehicle without auto insurance. The Legal Landscape: Auto Insurance Requirements by State As of February 2024, 49 states and Washington D.C. require drivers to carry some form of auto insurance. New Hampshire is the only exception, but even there most motorists opt for coverage. Each state sets its own minimum liability limits and penalties for non-compliance. For example, California allows drivers to initially register an uninsured vehicle, but proof of insurance must be provided within 30 days or registration gets suspended . In contrast, New York requires insurance before vehicle registration, or the DMV can revoke license plates and driving privileges . So while a handful of states technically permit registering without insurance, driving uninsured after the fact can incur fines, jail time, license/registration suspension and more in nearly all jurisdictions. Why Car Insurance Matters Even if allowed by law, operating a vehicle without insurance is extremely risky financially. Auto coverage provides vital protection by paying for injuries or damage that the policyholder causes others. For example, the average bodily injury claim is over $15,000 . Without insurance, these costs can devastate uninsured drivers. Additionally, around 29% of motorists lack sufficient coverage , so uninsured/underinsured motorist coverage is also critical. Strategies for Purchasing Auto Insurance When buying car insurance, it pays to compare quotes from multiple insurers while weighing factors like cost, level of coverage and customer service ratings. Discounts like safe driver and bundling can yield significant savings. Key types of auto insurance include: - Liability – Covers injury or damage that policyholders cause others - Collision – Pays for damage to your vehicle from an accident - Comprehensive – Protects against vehicle theft, vandalism, weather/animal damage and more - Uninsured/Underinsured Motorist – Shields policyholders when hit by uninsured or underinsured drivers Review policies at least annually to confirm adequate protection as circumstances evolve. Consequences of Driving Uninsured Consider John, who registered his car in California without insurance. Though permitted initially, he failed to provide proof of coverage within 30 days. His registration got suspended and he couldn’t legally drive. Later, an accident left him financially devastated from surging medical and repair bills without insurance to pay them. This cautionary tale highlights that while registering without insurance is sometimes allowed, severe consequences often follow if caught driving uninsured thereafter. Fines, penalties, lawsuits, license suspension, vehicle impoundment and more can result. Conclusion: Weighing Risks and Rewards In most states, auto insurance is legally required for good reason – it protects motorists from financial catastrophe. Even where registering without coverage is allowed, continuing to drive uninsured is fraught with legal and financial peril. The risks generally outweigh the perceived rewards. Instead, compare quotes and purchase adequate insurance that complies with your state laws. Insurance enables registering and operating vehicles affordably and safely.

https://www.8bore.com/registering-your-car-without-insurance.html

Approximately 1,500 leaders from the fire service and fire service industry traveled to Washington, DC to participate in the 2016 National Fire and Emergency Services Symposium and Dinner. Sponsored by the Congressional Fire Services Institute, the event provided opportunities for interaction with federal agency leaders, congressional staff and fire service peers. During their time in Washington, DC, fire service leaders made their presence known on Capitol Hill and delivered important messages about federal programs and legislation that benefit our nation’s one million firefighters and emergency services personnel. The two-day program featured a series of seminars covering a broad range of national issues and conducted by a distinguished list of public safety experts. Seminar attendees received Continuing Education Units from Columbia Southern University. When not attending the seminars, many attendees were either visiting their congressional offices to discuss legislative priorities or engaging in discussions with each other. CFSI has been hosting this event for 28 years. It is the organization’s major fundraising program. It’s the only event in the fire service that draws local, state and national leaders from the entire spectrum of fire and emergency response, providing a rare opportunity for interaction between industry leaders and fire organization leaders under one roof: the Washington Hilton. On the evening of May 5th, all 1,500 guests gathered together in the International Ballroom of the Washington Hilton to pay tribute to our nation’s fire and emergency services. Secretary of Agriculture Tom Vilsack delivered the keynote address. A former governor of Iowa, the Secretary focused much of his remarks on the growing challenges this country faces with wildfires. In 2015, wildfires burned over 10 million acres across the United States, and fighting these fires required the US Forest Service to spend a record amount of its budget to protect lives, property and habitat. US Fire Administrator Ernie Mitchell also addressed the dinner, sharing with the audience his thoughts and reflections on serving as Fire Administrator for the past six years. This was Chief Mitchell’s last address at the dinner as fire administrator. Having been appointed by President Obama, Chief Mitchell will step down from his position when a new administration takes over in 2017. At the conclusion of his speech, CFSI Executive Director Bill Webb honored him with a special recognition award for his leadership and commitment as our nation’s highest ranking fire service official. CFSI conducts four major award programs that recognize individuals and organizations for exemplary leadership. Each award has a co-sponsor. The awards are not based on valor but on leadership in making our fire service safer and stronger and in advancing public safety. Each year, the recipients of these awards are honored at the Dinner. This year, CFSI honored the following individuals and organizations: - Chief Carl Holmes (Ret) of the Oklahoma City Fire Department, was the recipient of the 2016 CFSI/Motorola Solutions Mason Lankford Fire Service Leadership Award. This award embraces the importance of advocacy and leadership on behalf of all firefighters and emergency services personnel. Chief Holmes was among the first 12 African Americans firefighters hired by the Oklahoma City Fire Department in 1951. Through hard work and determination, Holmes became the department’s first African American assistant fire chief. In 1991, he established the Carl Holmes Executive Development Institute to develop the management skills and leadership potential of African American firefighters. - Gerry Bassett, the recently retired Public Education and Training Program Management Chair at the National Fire Academy, was the recipient of the CFSI/IFSTA Dr. Anne W. Phillips Award for Leadership in Fire Safety Education. An original member of the National Fire Academy staff, Bassett devoted his career to pursuing the spirit of Dr. Phillip’s minority report to America Burning that advocated for fire prevention. During his tenure at NFA, he was a pioneer in developing courses that stressed the importance of community risk reduction. - The Olathe (KS) Fire Department and the Kittitas Valley (WA) Fire and Rescue Departments were the co-recipients of the CFSI/Masimo Excellence in Fire Service-Based EMS Award. The departments were recognized for developing innovations to enhance the delivery of emergency medical services in their respective jurisdictions. - The Fire Department Safety Officers Association received the CFSI/NFFF Senator Paul S. Sarbanes Fire Service Safety Leadership Award for its work to promote safety standards and practices in the fire, rescue and emergency services. Much of their work has been driven by the 16 Firefighter Life Safety Initiatives developed over ten years ago by the national fire service organizations. FDSOA Chairman Rich Maddox accepted the award on behalf of the organization. State Farm and VFIS serve as the corporate co-sponsors of the award. The date for the 2017 National Fire and Emergency Services Symposium and Dinner is April 5-6. CFSI is available to discuss sponsorship opportunities for organizations seeking a major presence at next year’s event. This summer we will have an open call-for-proposals for the seminars program. Later in the year, we will be encouraging individuals and organizations to submit applications for our awards program. If you want to receive the alerts for the opening of the application period, please send us an email at [email protected]. If you want to make a difference for the fire service at the national level, then you should circle April 5-6, 2017 on your calendar and plan to attend our program. When 1,500 fire service officials are seen walking the halls of Congress, that will get the attention of our elected officials.

https://www.cfsi.org/2016-national-fire-and-emergency-services-symposium-and-dinner/

When your building’s fire suppression systems and fire extinguishers are being inspected, you can’t afford to overlook the electrical systems. Every business depends on electricity – whether it’s a hotel, a retail store, or a web design company. That’s why it’s so important to know how to keep all of your employees and visitors safe during an electrical fire. During a fire safety inspection of your entire building, walk through with a professional inspector. This may be your insurance representative or your local electrician. These inspectors are trained professionals who can help locate and diagnose potential problems, such as electrical fire hazards. Here are some of the issues you will likely find during this inspection: - Smoke on electrical outlets, light switches, and sockets; - Lights that always flicker; - Fuses and breakers that constantly stop working or overload; - Worn out electrical cables; - And damaged outlets near areas that tend to contain more water, such as kitchens and restrooms. Along with the inspector, you may want to contact a professional electrician to help you find and fix any hazards before they pose a real danger to anyone inside your commercial building. What to Do So, what should you do if an electrical fire starts? Most importantly, do not use water to put out an electrical fire. Doing so could expose you or those around you to further harm due to electrocution. Shut off the flow of electricity to the area where the fire is, and to the entire building, if possible. The next step is to use a fire extinguisher that is classified for class C fires, which is designed to put out electrical fires. This includes ABC Multi-Purpose Fire Extinguishers, Clean Agent Fire Extinguishers, and Carbon Dioxide Fire Extinguishers., In some situations, the circuit boxes and fire extinguishers might be made inaccessible due to the fire spreading. In these instances, it is best to evacuate the entire building. Once you have ensured that everyone is safely outside and accounted for, call the authorities. Allow the firefighters who respond some time to inspect the building and give the all-clear before reentering. Once it is safe to go back, then you can turn the building’s electricity back on. Fire Protection Services from Fireline Whether you need smoke detectors, fire extinguishers, or an automatic sprinkler system installed at your commercial property, Fireline has you covered. We have been protecting people and properties from fire damage since 1947—and our experience shows in our excellent work! We are known for our wonderful customer service, our expertise, and our reliability. For more information on how we can help your residential or commercial property, visit us online or give us a call at (800) 553-3405. We are located in Baltimore, MD, with a second office in Leesburg, VA. For more fire safety tips, be sure to follow us on Facebook, Twitter, LinkedIn, and Google+.

https://www.fireline.com/tips-staying-safe-electrical-fire/

Do I Need Insurance for My Business? The short answer is yes; you absolutely need insurance for your business. Your business is the product of your blood, sweat and tears. It may be a new enterprise or a booming and established business but either way, it is important that you protect what you have worked to build. Doing business without insurance leaves you and your company open to a world of potential problems. When looking at insurance for your business you have lots of options and things to consider. As a business owner you have a lot to protect. Just like no two businesses are exactly the same, no two businesses will have the exact same insurance needs. Some insurance offerings are appropriate for a business based on size or industry. It is important to talk to an experienced agent that can help you cover all your business insurance needs without overpaying for insurance you don’t need. There are many different types of insurance offerings out there for you to consider. Property insurance: Property insurance typically covers losses and damages to real or personal property. You can purchase additional insurance that covers specific things such as debris removal and glass replacement. If you own a restaurant you may consider a specific property insurance to cover your equipment such as your kitchen appliances, cash registers, booths, and bar area in case of a fire or other covered loss. Liability insurance: Despite the fact you are the model business owner you always face the possibility of a law suit. Liability insurance comes in many shapes and sizes. “Any type of insurance policy that protects an individual or business from the risk that they may be sued and held legally liable for something such as malpractice, injury or negligence. Liability insurance policies cover both legal costs and any legal payouts for which the insured would be responsible if found legally liable. Intentional damage and contractual liabilities are typically not covered in these types of policies.” In this litigious day and age liability insurance is a very wise investment. The cost of coverage can vary and depend on what industry you are working in and the size of the business you own. For instance, a large construction company may find liability insurance much more expensive than a small marketing company. Workers Compensation: If you have employee’s you will more than likely need workers compensation insurance. As of 2010 workers compensation was required by 49 of the 50 states, with Texas being the only exception. Workers compensation regulations vary by state. Some states require workers compensation for companies with only one employee while others require it for companies with at least three employees. Workers compensation provides coverage for employees that are injured on the job. It can cover the injured employee’s medical expenses and partial disability payments while the employee is unable to work. For a comprehensive list by state of the workers compensation regulations visit the National Federation of Independent Business’s website: https://www.nfib.com/. Because workers compensation is generally mandatory by law you should consult a state specific insurance expert to help guide you in your obligations and make sure you are compliant. Life Insurance: Could your business continue if something unexpected were to happen to you? If you are a key employee, partner or owner and you were to die suddenly could the business go on without you? If the answer to either of these questions is no, life insurance for your business may be a consideration. A good example of this would be a husband and wife that have a family and own a small business together. If either spouse were to die unexpectedly not only would the family need funds to supplement the loss of income, so would the business. Life insurance designated for the business allows an influx of income if needed due to the loss of a key partner. Data Breach Insurance: This insurance is an additional policy intended to cover the cost of a data breach. In this day and age of technology and hackers this policy may be well suited to your company, depending on what you do and if you handle sensitive data. An IT company or a doctor’s medical practice might be good candidates for this insurance. According to USAToday, 43% of companies experienced a data breach in 2013. In 2014 Target, Neiman Marcus, Michaels, UPS, Dairy Queen, and Home Depot were just some of the bigger named companies that experienced data breaches. Your general liability insurance may address a data breach to a limited extent. Consult with an experienced agent to make sure you have coverage appropriate for your industry and potential risk. Commercial auto insurance: If your car is used for business purposes or is owned by your company you may need commercial auto insurance. If you use your vehicle for personal and business purposes you still may want to consider commercial auto insurance. Without it, if you are involved in an accident the insurance company may deny your claim under your personal car insurance because the commercial use of the vehicle may violate the terms of your insurance policy. The use of your vehicle and type of business will help determine your need for commercial auto insurance. Directors and Officers Insurance: This is commonly known as D&O insurance. This business insurance is designed to protect you from personal losses if you are sued as a result of serving as a director or an officer. It may also cover legal fees for the organization should a lawsuit occur. D&O insurance can take different forms based on the industry and potential liability. Typically, D&O insurance does not cover fraud or dishonest acts. As you can see you have many different options when it comes to insuring your business. Don’t let an unfortunate accident or lawsuit damage the business you have worked so hard to build. Your business needs insurance. Some policies will be required by law while others are optional and case specific. Consult an experienced insurance agent to figure out which insurance options are appropriate for you.

https://www.gebhardtinsurancegroup.com/need-business-insurance/

An insurance expert has shared top tips to help freelance hair professionals avoid common pitfalls when claiming on their insurance policy. It comes ahead of the busy Christmas period, as more appointments can lead to an increased risk of issues occurring. Dan Dawson, Underwriting Manager at Ripe Hair & Beauty Insurance, said: “There are thousands of freelance hairdressers in the UK taking advantage of the flexibility that self-employment provides. But whether you’re just starting your first side-hustle or a long-established pro, the job does come with risk. The range of accidental potential issues facing freelancers is vast, such as bodily injury to clients, equipment theft and property damage. “In most circumstances, making a claim against your insurance for any of these issues is very straightforward. However, freelance hair stylists can (and do) make mistakes that can seriously reduce the likelihood of a claim being paid, undoing the good work of setting up insurance in the first place. Claims can reach huge sums which without a valid insurance policy to protect them, owners may be jeopardising the whole future of their business. “Below are some common but lesser-known pitfalls when it comes to making a claim, to help avoid confusion or disappointment.” - You didn’t report the issue quickly enough “Between scheduling appointments, managing your social media and perhaps even doing another job, we know that life as a freelancer is hectic. For that reason, when something does go wrong, it may be tempting to put the problem to the back of your mind and deal with the insurance claim at a later date. “However, most insurers will require you to let them know what has happened as soon as reasonably possible (usually within a few days) and, where relevant, report incidents to the police within a specified timescale. Not doing so could jeopardise the success of your claim. - You didn’t do a patch test “Cover for accidental bodily injury will typically be included in your policy. However, in order to be valid, most insurers will require you to have performed a sensitivity patch test on the client. This will need to be the exact substance applied during the service or treatment, at least 24 hours before performing it for the first time. It may be tempting to let clients skip their patch test in the interest of time or convenience, but it’s vital to stress the consequences of an adverse reaction. - You loaned equipment to a friend or colleague “We know that hair professionals offer a supportive network, so it may be second nature to let a friend or colleague borrow your equipment if theirs is out of action. However, you should double check your insurance documents in this instance. Many policies won’t cover equipment that’s stolen or damaged while on loan to another person unless you are also in attendance. Even if you have hired said equipment to somebody at a cost, it’s unlikely you’ll be fully protected should there be an issue.”

https://www.hairdressing.co.uk/salons/top-tips-to-avoid-insurance-pitfalls/

Many people tend to think that personal injury claims are often frivolous. They imagine people pretending to be injured or pretending to have a more serious injury than they do in order to grab some quick cash. However, the truth is that most people who file personal injury claims actually need the compensation. Severe injuries can leave people unable to work while facing a mounting pile of medical bills. As Harvey Morris, an Albertville AL personal injury lawyer explains, many people with injuries seek legal assistance because they are already so overwhelmed by their situation that trying to file a legal claim on their own seems daunting. There are many types of personal injury claims filed each year, but here are a few of the most common. Medical Malpractice Claims Medical malpractice claims are filed when a patient has suffered unnecessarily due to medical negligence. For example, if a patient is given the wrong type or dosage of a medication and suffers an injury as a result, they may be eligible to file a medical malpractice claim. In order to successfully file one of these claims, the victim will often get the services of an expert medical witness, who can testify on his or her behalf. Workers’ Compensation Claims When a worker is injured on the job as a result of the negligence of the employer, a workers’ compensation claim can be filed. These types of claims follow a formal process, which varies slightly depending on the state. According to Robert Haddad, a personal injury attorney in Virginia Beach, VA, if the injured worker’s company refuses to process the claim, or if the claim is rejected by the insurance company, the worker can get the services of a lawyer to help them appeal the case. Car Accident Claims The laws regarding car accident claims vary from state-to-state, but many car accident claims are filed each year. Car accident claims are made when an individual has been injured in a car accident due to the negligence of the other driver. For example, if you are severely injured after being hit by a drunk driver, the other driver would be responsible, since he or she caused the accident by driving while intoxicated. Product Liability Claims A product liability claim is made when an individual is injured by a product that should have been safe. Manufacturers are expected to uphold certain safety standards and warn users of any safety concerns with their products. If they fail to meet these standards, and consumers are injured as a result, a product liability claim can be filed. For example, if a manufacturer releases defective vehicle parts which cause accidents, the injured parties could file a product liability claim.= These are just a few of the most common types of personal injury claims. If you’ve been hurt because another person or company was negligent, don’t give up on getting the compensation you deserve. As Ronald Jebaily, an accident injury lawyer in Florence, SC explains, injured parties should get legal help if they need to file a personal injury lawsuit. An expert personal injury lawyer will know the local laws inside out and will not be afraid of going after your compensation aggressively, which means you can relax and focus on healing from your injury, rather than on the stress of fighting for your claim.

https://www.heandshefitness.com/2018/08/04/common-types-of-personal-injury-claims/

Welcome to our guide on understanding slab leaks and insurance coverage! First, let’s clear up what a slab leak actually is. Picture this: Your home is sitting snugly on a solid foundation, known as a slab, made of concrete. Hidden beneath this slab are various water and sewer lines. Now, if these lines break or wear out, water can start leaking under your home’s foundation, and that’s what we call a slab leak. Not the most pleasant surprise, right? But don’t worry, we’re here to explore Is slab leak covered by insurance? for you. Does homeowners insurance cover slab leak repair Now, let’s dive into the world of homeowners insurance and see how it relates to these slab leaks. Dwelling Coverage is there to protect the structure of your home – walls, roofs, and yes, even that all-important slab. If a slab leak rears its ugly head, this part of your insurance might cover the cost of removing the slab and putting in a new one after the plumbing issue is fixed. But here’s a little heads-up: while it might take care of the damage to the slab itself, fixing the actual plumbing pipes usually isn’t part of the deal. Personal Property Coverage Personal Property Coverage is like a safety net for the stuff inside your home. Imagine your leaking slab turns your living room into a mini-pool, and your favorite couch and rug are caught in the crossfire. This part of your insurance can help with the costs of repairing or replacing these water-logged items. When Are Slab Leaks Covered by Homeowners Insurance? Alright, let’s get into when your homeowners insurance might cover slab leaks. It’s a bit like a game of ‘Insurance Bingo’. Your policy lists a bunch of events – let’s call them ‘perils’ – and if your slab leak is caused by one of these, you could be in luck. List of Covered Perils - Burst Pipes: Picture a pipe suddenly giving way – if this is the culprit, your insurance might say ‘yes’ to covering the damage. - Explosions: Although rare, if an explosion damages your slab, you’re likely covered. - Tornadoes and Other Natural Disasters: If Mother Nature gets a bit too rowdy and damages your slab, your insurance might step in. - Other Examples: This includes things like fires, trees deciding to take a tumble onto your home, or even some sneaky vandalism. Conditions for Coverage Now, there’s a bit of fine print. First, the damage has to be caused by a peril that’s specifically mentioned in your policy. Also, remember that deductible? That’s the part you pay before your insurance kicks in. Plus, there are limits to how much your policy will cover. So, keep those details in mind! Common Exclusions in Homeowners Insurance Okay, time for the not-so-fun part. There are some reasons for slab leaks that most insurance policies give a big ‘nope’ to. Types of Damage Generally Not Covered - Wear and Tear: Just like old jeans getting frayed, plumbing can wear out. Unfortunately, insurance doesn’t cover these gradual changes. - Natural Settling and Earth Movement: If the ground beneath your home decides to shift, causing cracks and leaks, your policy might not help. - Tree Root Pressure: Those tree roots can be sneaky, but damage they cause is usually not covered. - Faulty Design or Construction: If the slab leak is due to a whoopsie in the building process, that’s usually on you. Importance of Maintenance and Inspection This is where being proactive pays off! Regular check-ups by a professional can spot potential problems early, saving you from bigger headaches (and expenses) down the road. So, there you have it! A mix of good news and heads-ups. Keep these points in mind, and you’ll be more prepared to handle the surprises your slab and insurance might throw at you! How much does it Cost to Repair a Slab Leak Repairing a slab leak can be a bit like getting a surprise bill at a restaurant – not exactly fun. As of 2022, the national average cost for fixing a slab leak hovers around $2,515. But remember, this number can vary depending on where you live and the extent of the damage. Average National Cost for Slab Leak Repair Think of $2,515 as the average ballpark figure. It’s not a magic number, but it gives you a rough idea. Some leaks might be less costly, and others could have you digging deeper into your pockets. Considerations for Filing an Insurance Claim - Weighing the Cost Against Your Deductible: If the repair cost is just a tad more than your deductible, it might not be worth filing a claim. It’s like deciding if it’s worth using a $5 coupon for a $4 item. - Impact on Insurance Rates: Filing a claim, especially for water damage or foundation issues, can make your insurance rates climb. Conclusion: Is slab leak covered by insurance So, we’ve journeyed through the world of slab leaks and insurance together. Here’s a quick recap: - Your insurance might cover the slab leak if it’s caused by specific events listed in your policy. - Regular wear and tear, earth movements, and a few other scenarios usually aren’t covered. - The cost of repair can vary, but it’s good to have a ballpark figure in mind. - Filing a claim is a decision that should be weighed carefully. Understanding your insurance policy and knowing the signs of potential slab leaks can really save the day. If you’re ever in doubt, chatting with your insurance provider can help clear up any confusion. Stay informed, stay prepared, and here’s hoping slab leaks stay out of your way!

https://www.insuranceguideme.com/is-slab-leak-covered-by-insurance

Sarah Parker wrote me, forwarding a quick reading blog, Liberty Mutual to Refund $7.7 Million in Consent Order: What Minnesota Policyholders Need to Know. I believe she sent it to me because of my recent post, Liberty, Liberty, Li-ber-ty. One of the important points of her post was the complexity of many large insurance organizations, which many think are just one company under one brand: To the general public, they might only see a main trade name as the brand offering their insurance policy. However, behind the scenes, the specific terms of their policy, the rates they’re offered, and the regulatory compliance behind that policy might be managed by a subsidiary. The naming of multiple companies in such orders underscores the complexity of large corporations and the regulatory landscape they navigate. With each state having its own regulations, managing these can get complex! It’s a testament to the thoroughness of regulatory bodies in ensuring that every entity, regardless of its relationship with a parent company, remains compliant with the law. For consumers, it’s a reminder that the brand name they’re familiar with might represent a web of interconnected companies working together to provide their services. Insurance brands often advertise price and also mention something about fair claims service. In Insurance Company Advertisements and Promises of Peace of Mind Versus the Reality of Claims Treatment, I suggested that regulators require insurance companies to turn over the internal claims operating guidelines to determine if the insurance companies are truly providing that fair claims service: Why shouldn’t insurance regulators require insurance companies to provide claims bulletins and claims guidelines about how claims will be handled at the point of sale and during the claims process? If the insurer is acting in good faith, why would it be afraid to turn over and publish those directives? It might lead to much better and fair treatment, which is promised in the first place. The federal government has its flood claims manual publicly available for all to see how adjusters are supposed to handle claims. Why shouldn’t there be a rule supported by the National Association of Insurance Commissioners requiring all insurance companies to publish their claims manuals regarding the handling of first-party property insurance policies online? What is there to hide? I have never heard of an insurance company publicly saying this would be bad public policy. Such a rule may stop some of the cheating of bad market players and provide greater trust in the industry. Thought For The Day A lack of transparency results in distrust and a deep sense of insecurity.

https://www.propertyinsurancecoveragelaw.com/blog/insurance-brand-advertising-versus-insurance-company-treatment/

Coalfire Named 2023 SC Awards Finalist for Best Vulnerability Management Solution Cyber pioneer honored for innovative Ransomware Simulation-as-a-Service GREENWOOD VILLAGE, CO – May 16, 2023 – Coalfire is honored to announce its recognition as a finalist in the 2023 SC Awards from CyberRisk Alliance and SC Media for its innovation in vulnerability management. This achievement comes on the heels of three recent award wins from CyberDefense Magazine, showcasing Coalfire’s powerhouse vulnerability management and pen testing capabilities. In its 26th year, the 2023 SC Awards program was judged by a panel of experts from a wide range of industry sectors. The judges assessed hundreds of award submissions and named Coalfire as one of five finalists in the “Best Vulnerability Management Solution” category for its new Ransomware Simulation-as-a-Service (RSaaS) solution. Coalfire’s RSaaS provides customers the unique opportunity to proactively test the readiness of their cybersecurity programs through real-world simulation that’s customizable to meet specific market parameters. “With the continued surge of ransomware threats, RSaaS is our response to allow a safe inspection for organizations to test its ability to defend and respond,” said Executive Vice President of Coalfire, Mark Carney. “This recognition highlights our acute ability to listen to the market and bring our unique combination of talent and technology to become the industry leader in vulnerability management.” Coalfire’s RSaaS offering is one of the first of its kind and is packaged with the firm’s broader red team services. The solution incorporates multiple scenario-based exercises to mimic the tactics and techniques used by real-world ransomware adversaries. Outcomes provide customers with valuable insights into improvements in its defense and response capabilities, increasing business resiliency. “Our mission is to evaluate and prove the effectiveness of enterprise security operations,” said Carney. “The RSaaS simulator and our overall red team services enable organizations to optimize and refine its defense in depth strategy.” As the market leader in cloud penetration testing, Coalfire has accumulated one of the fastest-growing and most experienced global pen test teams capable of carrying out customized adversarial emulations for the world’s largest organizations. Learn more about Coalfire’s penetration testing services. The world’s leading organizations – including the top five cloud service providers and leaders in financial services, healthcare, and retail – trust Coalfire to elevate their cyber programs and secure the future of their business. Number one in compliance, FedRAMP®, and cloud penetration testing, Coalfire is the world’s largest firm dedicated to cybersecurity services, providing unparalleled technology-enabled professional and managed services. To learn more, visit Coalfire.com. For media inquiries: << Go Back

https://coalfire.com/insights/news-and-events/press-releases/coalfire-named-2023-sc-awards-finalist

His modest one-storey farmhouse, which had already been damaged by years of war, was further cracked by the February earthquake, which left more than 5,000 dead in Syria and hit Latakia hard. “After the quake, the fires came and finished it off. It left us with nothing,” Zuhaira told Reuters. Like other countries around the Mediterranean, Syria has been hit hard by wildfires this month, supercharged by strong winds and searing temperatures. Firefighters had struggled to put them out in Homs and Hama in mid-July, and the fires in Latakia raged for five days before rescuers could control it, Syria’s agriculture minister Mohammad Hassaan Qatna said on Saturday. “There were multiple places, far away. The speed of the wind was a factor in the excessive spread of the fires,” Qatna said during a tour of the area. Other challenges for the firefighters included poor telecoms coverage in the north, and the procurement of fireproof suits or spare parts for extinguishing equipment, he said. Syria’s 12-year conflict, along with Western sanctions, a currency squeeze linked to neighbouring Lebanon’s economic crisis and the government’s loss of its northeastern oil-producing territories have triggered a financial meltdown. On Saturday, firefighters could be seen pumping water from a fire truck to extinguish flames on a wooded slope in Latakia.

https://farmingbd.com/after-quake-syrias-northern-coast-ravaged-by-wildfires/

To size an electric boiler for radiant heat, determine the energy output (in kilowatts) needed based on the number of taps and radiators to be supplied. A higher kilowatt rating allows for the supply of more taps and radiators, making it suitable for larger areas. When considering radiant heat systems, choosing the right electric boiler size is crucial for efficient heating. Electric boilers are rated based on their energy output, measured in kilowatts (kW), rather than their physical size. The kW rating determines the capacity to supply taps and radiators, allowing homeowners to select the appropriate size to meet their heating requirements. This vital step ensures optimal performance and comfort within the home’s heating system. Choosing the correct electric boiler size is essential for efficient radiant heat distribution, ensuring a comfortable and warm living space. Understanding Radiant Heating Types of radiant heat setups: Floor, baseboard, and hybrid systems Key components of a radiant heating system: Boiler, manifolds, tubing Just like gas boilers, an electric boiler is sized based on the energy output (kilowatts) rather than physical size. The higher the kilowatt (kW) rating, the more taps and radiators it can supply, and you can use this rating to determine the correct size for your home. Whether you have radiant floor, baseboards, radiators, or even a combination of system types, there is an Electro-Boiler to fit every application. They can provide all the heat you need to keep your home warm and cozy; they are safe, convenient, and easy to install! Calculating Heat Requirements When sizing an electric boiler for radiant heat, it’s crucial to accurately calculate the heat requirements for the specific application. Assessing room dimensions helps in determining the heat load for each space. Adequate insulation greatly impacts the heat loss calculation, leading to precise sizing. Utilizing heat load calculations ensures the boiler matches the heating demands, avoiding inadequate or excessive capacity. It’s essential to consider the influences of climate and building construction on the heating needs, enabling a tailored approach to sizing the electric boiler for optimal performance. Selecting The Right Electric Boiler When it comes to selecting the right electric boiler for radiant heat, it’s essential to decipher the boiler specifications for radiant systems. Calculating the boiler size needed for your space is crucial in ensuring optimal heating efficiency. Electric boiler efficiency plays a significant role in determining the appropriate size for your radiant system, as it impacts its overall performance. Balancing the boiler size with your radiant system’s requirements is essential to achieve the best results for your heating needs. Understanding these factors will guide you in choosing the proper size for your electric boiler, ensuring that it effectively meets your home’s heating demands. Sizing For Different Radiant Applications When sizing an electric boiler for radiant heat, it is crucial to consider the specific application to ensure optimal performance. For underfloor heating systems, calculating the heat load and determining the total square footage of the heated area is essential. Additionally, for radiant baseboard heat configurations, accurately estimating the required BTU output based on the length and type of baseboard is necessary. In the case of multi-zone radiant heating systems, factoring in individual zone requirements and ensuring proper distribution of heat is vital. By carefully evaluating these aspects, the electric boiler can be sized appropriately to meet the unique demands of each radiant heat application. “` I hope you find this content helpful! Let me know if there’s anything else I can do for you. Factors Affecting Electric Boiler Size When sizing an electric boiler for radiant heat, several factors need consideration. Room by room heat loss plays a crucial role in determining the appropriate boiler size. The impact of outdoor temperature shouldn’t be overlooked as it directly influences boiler sizing. Additionally, the role of domestic hot water is significant in making informed sizing decisions. It’s important to remember that an electric boiler’s size is primarily based on its energy output (kilowatts) rather than physical dimensions, with a higher kW rating indicating greater capacity to supply taps and radiators. Therefore, it’s essential to consider all these aspects when determining the right size electric boiler for radiant heat in your home. Installation Considerations For Optimal Performance When sizing an electric boiler for radiant heat installation, there are several considerations to keep in mind. The positioning and space requirements for electric boilers are essential factors to ensure optimal performance. Pairing the boiler with compatible components is crucial for efficient operation. Seeking professional input and calculations for accurate installation is highly recommended to guarantee the system’s effectiveness. Troubleshooting Common Sizing Mistakes Choosing the right size for an electric boiler for radiant heat is crucial to ensure optimal system performance. Oversizing can lead to inefficient system operation and unnecessary energy consumption, while an undersized boiler may struggle to meet heating demands, resulting in poor comfort and potential equipment damage. Accurate BTU calculations are essential to prevent sizing errors and to select a boiler that matches the specific heating requirements of the space. By considering factors such as insulation levels, climate, and heat loss calculations, you can make informed decisions to determine the appropriate size of the electric boiler for your radiant heat system. Long-term Considerations For Sizing When sizing an electric boiler for radiant heat, it is essential to anticipate future expansions or changes in use. This will ensure that the boiler can accommodate any potential increases in energy consumption or heating demand. Additionally, regular assessments should be conducted to maintain optimal sizing and efficiency, taking into account any changes in energy consumption trends and making necessary boiler sizing adjustments. By considering long-term factors and conducting regular assessments, the electric boiler can be efficiently sized to meet the heating needs of the radiant system. Frequently Asked Questions On How To Size Electric Boiler For Radiant Heat How Do I Know What Size Electric Boiler I Need? Electric boiler sizing is based on energy output (kilowatts) rather than size. The higher the rating, the more taps and radiators it can supply, helping determine the correct size for your home. How To Size Boiler For Radiant Heat? When determining the size of a boiler for radiant heat, consider the energy output in kilowatts (kW). Higher kW ratings can supply more taps and radiators, making it suitable for larger homes. This rating helps in determining the appropriate size for your home. What Size Electric Boiler Do I Need For Floor Heating? For floor heating, you’ll need an electric boiler with a higher kilowatt (kW) rating to supply more taps and radiators for your home. Ensure the rating suits your heating needs. Electric boilers are sized based on energy output, not physical size. Can You Use An Electric Boiler For Radiant Heat? Yes, you can use an electric boiler for radiant heat. The size of the boiler is based on its energy output (kilowatts), not its physical size. A higher kW rating can supply more taps and radiators, making it suitable for different home sizes and heating needs. Sizing an electric boiler for radiant heat involves understanding your home’s heating needs and the Kilowatt (kW) rating. By calculating heat loss and considering the output, you can determine the appropriate size for your application. Whether it’s for floor heating or baseboards, choosing the right size electric boiler ensures a cozy and efficient home.

https://gadgethungry.com/how-to-size-electric-boiler-for-radiant-heat-2/

With large fines and potential imprisonment imposed for regulatory breaches, ensuring a fire risk assessment is undertaken and regularly reviewed is imperative for employers, business owners and landlords alike. Complying with the Regulatory Reform (Fire Safety) Order 2005, our fire risk assessments include a site visit by a fully qualified Fire Risk Assessor. They will conduct a full non-destructive site survey of the building or area of your responsibility to identify/assess: - Who is at risk - Process and/or building hazards - Potential ignition sources - Any deficiencies in existing fire precautions/procedures - Correct type(s)/quantities and suitably maintained fire safety equipment - Appropriate fire training and drills - Appropriate signs/notices - Suitable means for detecting fire and raising the alarm if a fire were to occur - Adequate means of escape in the event of a fire Our documented fire risk assessment would not only reduce the risk of fire occurring and ensure compliance with current fire legislation but also ensure that you have appropriate precautions and safeguards in place to protect staff and visitors. Our Fire Risk Assessors are fully qualified and technically competent to conduct fire risk assessments. They’re also trained to provide guidance in accordance with either British Standards or Building Regulations. This guide is for all employers, head teachers, governors, vice-chancellors, occupiers and owners of premises where the main use of the building (or part of the building) is for educational purposes including: - schools including Sunday schools and after-school clubs - adult education centres - outdoor education centres - music schools This guide does not apply to residential premises such as university halls of residence, and boarding school sleeping accommodations. Whether you require a full, new fire risk assessment or a review of an existing assessment, speak to our helpful team today who can advise you on the best way to proceed. Call our team today to discuss a Fire Risk Assessment.

https://irisvbs.co.uk/service/fire-risk-assessments-educational/

The fire resistance rating is the based on the equivalent thickness of the concrete plus the equivalent thickness of the terrazzo. If the roof panels are covered with gypsum board, the thickness of the gypsum board need to be converted to an equivalent thickness. What determines the fire rating of a building? Fire Ratings 101 Fire ratings are determined by testing the materials' point of combustion. Codes from both the National Fire Protection Association and individual states provide information on the fire ratings of different materials. What is the fire rating of construction? Fire resistance rating (FRR) is the time in minutes or hours for which the construction materials or assemblies have withstood a standard fire exposure. How to measure the FRR of a material? Fire resistance ratings are calculated based on the time taken by a given material or structure to fail during a fire. How does fire rating work? For example, an FRL rating of 90/60/30 means that the construction element must maintain its structural adequacy for 90 minutes, integrity for 60 minutes, and insulation for 30 minutes during a fire incident. On some of our social media posts and case studies, you are likely to see FRL's written as 90/60/30. What is the fire rating of a 2x4 wall? Often used for exterior walls along property lines, this type of wall assembly allows for 2x4 wall construction to still meet the 1-hour fire-rating. In this wall assembly, type X gypsum is used on the interior followed by wood studs and mineral wool insulation, and finally a layer of 1-sided flame block material. Which construction assembly is the most susceptible? In the context of construction assemblies, a truss is generally the most susceptible to total failure resulting from the failure of a single component. A truss is a complex network of triangles used to provide support in a structure.

https://manwaringconstructionut.com/how-is-construction-fire-rating-done/

Navigating the complex terrain of car hire insurance in Perth requires a keen understanding of the available options to ensure you’re adequately protected against potential financial risks during your rental period. Easy Rent a Car stands at the forefront, offering a spectrum of insurance coverages designed to cater to the diverse needs of renters. This guide delves into all essential insurance options from most car hire businesses, highlighting their benefits and considerations to aid car renters in making informed decisions. Essential Insurance Options for Car Hire in Perth Collision Damage Waiver (CDW) This insurance option is pivotal in covering damages to the rental vehicle resulting from collisions. Its primary benefit is the financial shield it offers renters, absolving them from the full costs associated with repairs or replacement of the vehicle. However, it’s crucial to note that CDW might not encompass all damage types, underscoring the importance of scrutinizing the policy details thoroughly. Offering an essential layer of security, theft protection insurance safeguards against the theft of the car hire vehicle or its integral parts. It ensures peace of mind, providing coverage in the unfortunate event of the vehicle or any of its components being stolen. Renters should be aware of the specific conditions and exclusions that apply, ensuring a comprehensive understanding of their coverage. Third-Party Liability Insurance This insurance is indispensable for covering damages to third parties in accidents where the renter is at fault. It assists in covering the costs associated with property damage or injuries to others involved in the accident, offering crucial protection against potential legal and financial liabilities. Personal Accident Insurance In the event of an accident, personal accident insurance covers medical expenses, including ambulance fees and other related costs. This coverage is particularly beneficial in providing financial assistance for medical bills resulting from an accident. Renters are advised to review their existing health insurance policies to ascertain the necessity of this additional coverage. Supplemental Liability Insurance For those seeking an added layer of liability coverage, supplemental liability insurance extends beyond the standard limits offered by other options. It’s designed for renters who require increased protection in severe accident scenarios, where standard coverage may fall short. Key Considerations When Choosing Car Hire Insurance in Perth The concept of ‘excess’ plays a critical role in car hire insurance, representing the amount the renter is liable to pay in the event of damage or theft. Assessing one’s risk tolerance and financial capability to cover this amount is essential, as it directly influences out of pocket expenses in case of an incident. Coverage Limits and Exclusions Evaluating the coverage limits is vital to ensure the insurance meets your needs, while a thorough understanding of policy exclusions helps avoid unexpected surprises when making a claim. These factors are paramount in choosing the most suitable insurance coverage. Cost vs Protection The impact of insurance options on the total rental cost cannot be overstated. Renters must weigh the cost against the benefits, determining the value each option provides in terms of protection and risk mitigation. Leveraging Personal Insurance Exploring existing personal insurance coverages, such as those provided by car insurance policies or credit cards, can offer significant savings by reducing the need for additional rental car insurance. Navigating Rental Car Insurance Requirements and Local Laws in Perth Compliance with Local Regulations Understanding Perth’s mandatory insurance requirements is crucial for legal compliance and avoiding potential issues. Familiarity with local laws and regulations governing rental car insurance in Western Australia is equally important, ensuring renters abide by the law and protect themselves from liabilities. Choosing the Right Provider With various rental companies offering differing insurance options, comparing these offerings is key to selecting the most appropriate coverage. Easy Rent a Car prides itself on providing comprehensive insurance packages that cater to the specific needs of renters, ensuring an informed and protected rental experience. In conclusion, selecting the right car hire insurance in Perth is a nuanced decision that requires careful consideration of the available options, benefits, and potential risks. Easy Rent a Car’s commitment to offering comprehensive insurance solutions ensures renters are well informed and adequately protected, allowing for a stress-free and enjoyable rental experience.

https://nsm.org.au/business/basic-guide-to-car-hire-insurance-in-perth-navigating-your-options-with-easy-rent-a-car/

Life can sometimes be a gamble. Whatever you do, no matter how intelligent or hard working you are, you never know what life has in store for you. Therefore, you must have some financial backup for the security of your loved ones. Life insurance plans serve this purpose very well. However, before choosing life insurance plans, one must know what life insurance is actually. Life insurance is an agreement between the insurance company and the policyholder. The insurance provider pays a certain sum to the covered individual’s family in the event of his demise. The life insurance payout is made in exchange for a premium. There are many types of life insurances from which you can choose as per your suitability. The main types of insurance plans are as follows: - Money-back: Money-back life insurance plans provide periodic returns alongside insurance cover. - Child’s plan: You must have one of these if you plan to start a family. - Retirement plan: You must have a retirement plan to cover your expenses when not earning. Such plans are great for post-retirement income. - Unit linked insurance plan (ULIP): A ULIP insurance plan provides you with investment opportunities and insurance. - Endowment plan: This plan is best for insurance and savings. - Whole life insurance: As the name suggests, this plan ensures whole life coverage. - Term life insurance plans: This type of life insurance provides pure risk covers. There are certain perks of having life insurance plans: - Financial security: Life insurance provides peace of mind. This is because people can rest assured that their family and loved ones will be financially secure. - Wealth creation: Some life insurance policies include the option to build wealth. Apart from providing life insurance, these policies invest your premium in various investment classes to provide superior risk-adjusted returns. - Tax benefits: Some life insurance plans provide tax advantages. The premiums paid are eligible for a tax-deductible under Section 80C of the Income Tax Act. Taking up life insurance plans is easy as life insurance calculators help you plan your budget to invest in an insurance plan. Life insurance calculators provide you the ease to calculate the actual premium amount you need to invest in life insurance plans. Apart from this, a life insurance calculator also helps you compare different types of policies. Most importantly, it is a great tool for finding the best insurance policy as per your needs. However, you need to keep a few things in mind before taking an insurance plan. It is a type of contract that you sign up for; therefore, you should be aware of the possible complexities. Details of the policy are mentioned in policy-related documents, and there can be many finer aspects that you are unaware of. Reading your life insurance policy is thus extremely crucial. Insurance policy documents mainly contain the details of the policy you have taken up and other legal terms and conditions. The details may vary as there are many types of life insurance plans serving various purposes for consumers. Look for these while going through life insurance policy related documents: - Name of the policy - Premium amount deposition-related clause - How to reintroduce the policy should you fail to pay the premium - The possible consequences if you cannot pay the policy’s premium after a certain period - The exact time period for which you need to pay the premium - The surrender value of your policy in case of premature closure of the policy In addition to this, also take note of the following while going for life insurance plans: - Suicide related clause - Whether the policy is eligible for loans - Rules regarding the assignment of nominees - The clause for special policy-related conditions These are the main points to keep in mind when reading life insurance policy-related documents. It is always best to thoroughly research and understand any insurance policy before you purchase it.

https://paydayloanshut1b.com/why-reading-your-life-insurance-policy-is-important.html

Contact: Elizabeth Pearce Vice President, Business Development December 1, 2023 For Immediate Release SACRAMENTO, CA — December 1, 2023 — Athena Intelligence proudly announces its participation in a consortium, spearheaded by VegaMX, that has emerged as one of four runners-up from a pool of over 150 applicants for a prestigious grant from NASA under the SBIR Ignite! program. The consortium, driven by VegaMX's innovative use of satellite imagery, weather data, artificial intelligence, and machine language tools, aims to address the substantial costs associated with wildfires, estimated at $800 billion per year. Vivek Mital, CEO of VegaMX and leading the consortium, expressed his enthusiasm, stating, "Athena's involvement in this consortium, led by VegaMX, marks a significant step towards leveraging cutting-edge technology for a critical cause. The SBIR Ignite! program provides an invaluable platform to contribute to the understanding of current and expected fire behavior, with the ultimate goal of improving wildfire risk assessment." Athena's model, Voice of the Acre®, renowned for its accuracy, is currently utilized by various electric utilities across the western US. The collaboration seeks to enhance pre-fire research, enabling companies to identify high-risk areas based on factors such as fuel accumulation, weather patterns, and soil moisture. Members of the consortium include Vivek Mital, Rabinder Koul PhD, Mikael Taveniku PhD, Subir Sachdev PhD (all from VegaMX), Randy Lyle of Wildfire Mitigation Strategies, David Sypnieski, CEO of Athena Intelligence, and John Metzger of AssetAssurance Monitoring, a Geomatics company. Athena Intelligence combines extensive data from wildfire and environmental agencies, synthesizing disaggregated and unstructured information into a usable and computable format. This approach facilitates pre-wildfire assessments, providing valuable insights for resource managers in planning and mitigation efforts. David Sypnieski, CEO of Athena Intelligence, expressed his satisfaction with the collaboration, stating, "VegaMX's academic prowess and extensive network make them an ideal partner. Although VegaMX has ties to CERES, MIT’s Julia Labs, Columbia, Washington University, NY Institute of Finance and Gateway Partners, they selected Athena’s profiling algorithm for this NASA grant application. We are thrilled that VegaMX recognizes the significance of Athena Intelligence's prefire risk products and their potential contribution to commercialization." The NASA Earth Sciences and Applied Sciences group is interested in catalyzing the integration of pre and post-fire solutions, utilizing NASA data products and fostering market development, thereby creating high-paying jobs and benefiting taxpayers. Athena International looks forward to the continued success of the consortium, contributing to advancements in wildfire risk assessment and mitigation. About Athena Intelligence Athena Intelligence, headquartered in Sacramento, is a data vendor with a proprietary, geospatial, conditional profiling tool that integrates vast amounts of disaggregated wildfire and environmental data. This tool generates spatial intelligence, providing a digital fingerprint of wildfire risk. The company's innovative solutions empower industries such as power, insurance, and financial services to make informed decisions in risk assessment, portfolio optimization, and loss cost probabilities. Learn more at https://AthenaIntel.io. About VegaMX Inc. VegaMX is a pioneering organization using satellite imagery, weather data, artificial intelligence, and machine language tools to address challenges such as wildfire risk. As a leader in the consortium, VegaMX hopes to play a crucial role in advancing research and solutions for the SBIR Ignite! program. Learn more at https://www.VegaMX.net

https://www.athenaintel.io/news/vegamx-consortium-contender-for-nasa-sbir-ignite

Business Insurance in and around Madison Hts Your Search For Reliable Small Business Insurance Ends Now. Owning a business is a 24/7 commitment. You want to make sure your business and everyone connected to it are covered in the event of some unexpected catastrophe or damage. And you also want to care for any staff and customers who become injured on your property. Keep Your Business Secure Being a business owner requires plenty of planning. Since even your most detailed plans can't predict global catastrophes or consumer demand. In business, you can be certain of one thing: nothing is certain. That’s why it makes good sense to plan for protection with a State Farm small business policy. Business insurance is necessary for many reasons. It protects your future with coverage like business continuity plans and extra liability. Fantastic coverage like this is why Madison Hts business owners choose State Farm insurance. State Farm agent Bryan Bromley can help design a policy for the level of coverage you have in mind. If troubles find you, Bryan Bromley can be there to help you file your claim and help your business life go right again. Don’t let fears about your business stress you out! Visit State Farm agent Bryan Bromley today, and learn more about the advantages of State Farm small business insurance. Bryan BromleyState Farm® Insurance Agent Madison Hts, MI 48071-3710

https://www.bryanbromley.com/insurance/business

Frequently Asked Questions Pick a topic or search to find answers to your insurance questions. What is Cyber Insurance? It is an insurance product that enables individuals and families to shift the costs involved with the recovery from being 'hacked' or a cyber-related attack. With the Cyber Insurance Plus policy you will be covered for expenses related to a cyber event such as identity theft, fraudulent money transfers, cyber bullying or even extortion and ransomware. Do I need a personal cyber insurance policy if I already have antivirus software or other cyber security products? Cyber insurance is NOT a replacement for cyber security tools and antivirus software, they are two different kinds of protection. Our Cyber Insurance Plus coverage is there to support you when the antivirus software couldn't protect. A cyber insurance policy is your personal fail-safe for if and when a breach or cyber attack occurs and you are left with significant cleanup costs to restore your devices or reclaim your digital and financial identity. Why is a personal cyber insurance policy important? As technology has become increasingly integrated into people's lives, the risks that sensitive personal information could be compromised has continued to rise. The theft of personal data can have financial consequences, with the costs of cyber crimes affecting individuals costing thousands of dollars. Having a Cyber Insurance Plus policy will mean you aren't alone, and will provide you crucial support at the time of a cyber breach. What is a cyber attack or cyber breach? A cyber attack is when cybercriminals gain illegal access to your personal data. These attackers seek to inflict damage to a person's reputation, disable assets and steal valuable data. Anyone can be at risk of a cyber breach, exposing sensitive, confidential or protected information. In general a cyber attack happens due to weaknesses in technology or user behavior. Not only are our wireless phones and computers vulnerable to a cyber breach, many “smart devices” and new IoT technology have gaping flaws, like lack of encryption, allowing hackers to take advantage. How does personal cyber insurance work? The Cyber Insurance Plus policy will provide financial reimbursement for the costs associated with the theft of your personal information and assets up to the limits on your policy. Who is vulnerable to a cyber attack? Anyone who is involved in the ever-evolving digital world. This means if you have a mobile phone, your home has internet and computers, children playing on connected devices, kitchen appliances, electronics and automobiles that have wireless online connectivity, all are potential threats that leave you and your home vulnerable to a cyber attack. Who should purchase a personal cyber policy? Anyone 18 years or older that is online and involved in the digital world. As we have come to depend on the internet and our homes are part of the hyper-connected world, we are exposed and vulnerable to costly and dangerous cyber attacks. The coverage examples described here are hypothetical claim scenarios and are intended to show the types of situations that may result in claims. These scenarios are not based on actual claims and should not be compared to an actual claim. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms and conditions of the policy as issued and applicable law. Still Have Questions? Get In Touch with us and we'll help answer any question you may still have.

https://www.cyberinsuranceplus.com/faqs/about-cyber-insurance

Victims of DUI Accidents Motor vehicle accidents involving drivers who are under the influence of drugs or alcohol often result in long-term catastrophic injuries. Victims of DUI accidents commonly pursue compensation for their injuries in a civil case that is independent of the offending driver’s criminal trial. A civil case is the only opportunity that the injured party will have to recover damages from the at-fault motorist. Obtaining the services of an experienced car accident attorney can help you appropriately assess your financial costs, determine future medical expenses, and negotiate settlement amounts with the insurance companies that are involved. If you or a loved one has been injured in an accident with a drunk driver, please contact a personal injury attorney in your area to discuss your case. Impaired Driving Statistics Alcohol-related collisions comprise nearly one-third of all accidents in the United States. According to the National Highway Traffic Safety Administration, two out of three people will be involved in a drunk driving crash in their lifetime. Because of the prevalence of DUI accidents, it is important to understand how these statistics may affect your safety, including: - Roughly one-third of drivers arrested for DUI are repeat offenders - Someone is injured every two minutes in a DUI accident - The average drunk driver has driven while impaired 80 times before being arrested - Over 1.1 million drivers were arrested for driving under the influence of alcohol or narcotics in 2014 - 10,265 people were killed in DUI accidents and 290,000 were injured in 2015 Driving under the influence of drugs or alcohol is a crime and offenders will be aggressively prosecuted for putting other lives in danger. Depending on the state laws where the crime occurred and the level of the driver’s intoxication, the infraction may be classified as a misdemeanor or a felony. In most cases, the DUI will be considered a felony if it involves property destruction or any type of personal injury. Regardless of the classification, the criminal trial serves to determine the guilt or innocence of the offending party, not to award compensation to the injured victims of the accident. Obtaining the services of an experienced accident attorney can greatly increase your chances of not only proving your case, but also in recovering the appropriate amount of compensation for your injuries. However, victims of DUI accidents may pursue damages in a civil case that is completely separate from the criminal trial. In this type of motor vehicle accident claim, the plaintiff must prove that the accident - and any resultant injuries - were caused by the drunk driver. Obtaining the services of an experienced accident attorney can greatly increase your chances of not only proving your case, but also in recovering the appropriate amount of compensation for your injuries. Accident victims commonly pursue special damages to compensate for the physical out-of-pocket expenses that they incur following their injuries. This classification of compensation may include medical costs, lost income, rehabilitation expenses, and property damage. Accident victims can also pursue compensation for damages that do not have an easily definable monetary value. General damages are intended to compensate victims for more subjective losses, such as mental pain and suffering or loss of consortium. Punitive damages are intended to punish the at-fault driver for particularly reckless behavior that shows a conscious disregard for the safety of others. Driving while severely under the influence of drugs or alcohol typically constitutes gross negligence. Insurance Companies and Settlement Offers Following a DUI accident, the drunk driver’s insurance company will typically reach out to you and offer a settlement to quickly resolve any claims that you may have. It is in the best interest of the insurance company to finalize your case as quickly as possible and avoid responsibility for your future medical expenses. However, the majority of settlement offers are intended to minimize the financial costs of the insurance company, and are typically much less than the award to which you are entitled. Insurance companies commonly offer larger settlement amounts in DUI cases in order to settle the claim in an expedited manner. A qualified accident attorney is experienced in dealing with the unfair tactics of insurance companies, and in properly evaluating the long-term financial costs of your injuries. Insurance companies commonly offer larger settlement amounts in DUI cases in order to settle the claim in an expedited manner and prevent their client from being exposed in a trial. However, even these larger amounts are often insufficient to cover the actual losses because most accident victims do not accurately account for the future expenses related to their injuries. Many states have laws pertaining to third-party liability in DUI accident cases. Sometimes called “dram shop” or “social host” liability, these statutes provide an avenue for injured parties to bring a civil suit against other persons or businesses that may have contributed to the accident. “Dram shop” laws allow accident victims to file claims against bars or restaurants that sold or served alcohol to the drunk driver prior to the accident. “Social host” laws are intended to hold private hosts responsible for providing alcohol to someone who is underage or for continuing to serve alcohol to an obviously intoxicated person. Uninsured and Underinsured Drunk Drivers If you have been struck by a drunk driver who does not carry insurance or who has insufficient coverage, you may be able to file a claim against your own insurance company. Most policies offer coverage for uninsured or underinsured motorists, and in the event of an accident, this provides an opportunity to recover compensation beyond the physical costs that you incur. This coverage is an essential part of your insurance plan; without it, you may not be able to recover damages for your injuries, depending on the laws of the state in which the accident occurred. Following a DUI Accident If you have been involved in an accident - even a relatively small fender bender - and you think that the other driver may be intoxicated, it is imperative that you call the police to have them document the scene of the accident. Evidence can disappear quickly following any accident, especially in cases that involve drugs or alcohol. Impaired driving shows willful misconduct on the part of the offending driver, and an experienced car accident attorney can leverage this documentation into a larger settlement amount from the insurance company. Contact a DUI Accident Attorney If you have been involved in an accident with an impaired driver, you may be entitled to a significantly greater settlement than what the insurance company will offer. Please contact an experienced motor vehicle accident attorney in your area who can help you understand the details of your case, properly evaluate your injuries, and take on the insurance companies for you so that you can focus on healing and recovery.

https://www.impactlaw.com/motor-vehicle-accidents/car/dui

Wisconsin wildfires may not be as newsworthy as mass blazes in Canada or the Western U.S., but it can cause economic and environmental damage where you call home. Unfortunately, Wisconsin sees its own share of increases in wildfires when we experience a dry spring and summer. Wisconsin DNR Wildfire Prevention Specialist Catherine Koele says usually Wisconsin’s peak wildfire season ends over Memorial Day weekend but when in an ongoing drought, a simple spark has the potential to char significant acreage. People start 98% of wildfires. However, drought, warm temperatures, low relative humidity, and wind are a recipe for high fire danger. Tips to prevent fire on farms - Keep an eye on the changing fire danger - If there is high fire danger, avoid all outdoor burning until conditions improve. - Operate equipment early in the morning or late in the day to avoid sparks at peak burn hours. This includes wood cutting, lawn mowing, farming, recreational vehicles, parking hot exhaust systems on dry grass, etc. - Be on the look out for fire hazards such as broken light fixtures, exposed electrical wires, loose outlets, wet hay, clutter of flammable materials and obstructed exit pathways. - Secure dragging trailer chains on your equipment, campers, boats, etc. - Delay campfires until the evening hours as fire conditions tend to improve; make sure they are completely extinguished before leaving them unattended. - Report fires early, dial 911 Where there’s fire, there’s smoke Wisconsin can experience air advisories because of the polluting particles that come with the haze from foreign wildfires, says Craig Czarnecki, Outreach Coordinator with the Wisconsin DNR’s Air Management Program. As long as wildfires burn in Canada or out West, Wisconsin’s air quality has the potential to become hazardous. Tips to protect yourself from poor air quality - Sensitive groups — people with heart or lung disease, older adults, children, those who are pregnant, and those who work outdoors — should consider moving all events inside - Close windows and doors - Run air conditioning on recirculate. - Use an indoor air purifier - Check air quality conditions before leaving the house and throughout the day - Avoid or limit exercising outdoors - Check current air quality conditions As Wisconsin’s number 1 farm insurer, it’s our job to understand the risks farmers face so we can help prevent them. A fire is a devastating loss. Talk with your local Rural Mutual agent about fire safety resources and other ways we can help you protect your farm.

https://www.ruralmutual.com/resource/farm-safety/fire-safety/tips-to-prevent-wildfires/

PMC creates Staffing Services Practice, names Bill Nagel as VP and Director of Staffing PMC Insurance Group has hired Bill Nagel to manage and lead their Staffing Services Practice. Bill has over 30 years of experience in the workers compensation and temporary staffing industry as an owner, risk manager, and leading loss control provider. In addition to working with our agency partners in providing workers compensation placements solutions, Bill will also be responsible for the overall expansion of our Staffing Services Practice. Prior to joining PMC, Bill was the Founder and President of RCS Services, a leading loss control provider to carriers, captives and programs. “As a national workers compensation wholesaler we have been providing WC solutions to staffing clients for many years. The staffing industry has been fragmented and underserved and has their own unique needs that require specialization. With the growth of the staffing industry and volatility at the carrier level it was the right time for us to focus on this industry. We are very excited to add Bill to our team, he brings a lot of experience working with agents, insureds and carriers in placement of risk and the development of programs and will be a great asset to our agents as we dedicate ourselves to this industry” noted David Malloy, Chief Operating Officer.

https://asamarketplace.net/news-releases/2013/08/26/pmc-creates-staffing-services-practice-names-bill-nagel-as-vp-and-director-of-staffing/

create-magento-app is a global command-line utility that you use to create new projects. @scandipwa/magento-scripts is a development dependency in the generated projects (including this one). When you run npx create-magento-app my-app it automatically installs the latest version of Create Magento App. We create a project with the latest version of @scandipwa/magento-scripts so you’ll get all the new features and improvements in newly created apps automatically. To update an existing project to a new version of @scandipwa/magento-scripts, open the change-log, find the version you’re currently on (check package.json in this folder, if you’re not sure), and apply the migration instructions for the newer versions. In most cases bumping the @scandipwa/magento-scripts version in package.json and running npm install (or yarn install) in this folder should be enough, but it’s good to consult the change-log for potential breaking changes. To bump the version of @scandipwa/magento-scripts to the latest available version, use: yarn add @scandipwa/magento-scripts@latest npm install @scandipwa/magento-scripts@latest To install version 1 of magento-scripts use: npm i @scandipwa/magento-scripts@^1 We commit to keeping the breaking changes minimal so you can upgrade @scandipwa/magento-scripts painlessly.

https://docs.create-magento-app.com/getting-started/updating-to-new-releases

Commercial Auto Insurance Commercial Auto Insurance Information Virginia businesses must purchase minimum commercial auto insurance coverage to comply with state laws, or they will have to pay a fee. Commercial auto insurance is typically tailored to help cover the risks and exposures the insured company faces. Contact HIS Insurance Services today to evaluate your options for commercial auto insurance coverage. How Much Commercial Auto Insurance Do I Need? Every commercial vehicle owned and operated by a Virginia business must carry commercial auto insurance liability coverage. If your company chooses to forgo this coverage, the Virginia Department of Motor Vehicles requires payment of the uninsured motor vehicle fee and regular registration fees. - Commercial auto liability coverage helps pay for the company’s legal liability for third-party injuries and property damage. Without this coverage, the company may be required to reimburse the other party out of pocket. If your company leases or finances vehicles, the lienholder requires full coverage insurance, which may include the following coverages: - Comprehensive coverage helps pay for noncollision-related damage to the covered vehicle, typically due to vandalism, theft, storms or fire. - Collision coverage helps pay for damage to the covered vehicle if it collides with an object or another vehicle. - Gap coverage helps pay the difference between the insurer’s settlement and the total amount owed to the lienholder if a covered accident renders the vehicle a total loss. How Does Commercial Auto Insurance Work? Commercial auto insurance is designed to help provide financial protection for the insured company against common auto-related risks and exposures. A vehicle owned by an individual and insured with a personal auto policy may not have appropriate coverage if there’s an accident while the driver is using the vehicle for business purposes. If your company uses personal vehicles for business purposes, your agent may recommend that you purchase hired or non-owned auto insurance (HNOA) to help provide appropriate coverage. What Does Commercial Auto Insurance Cover? Your agent may build your commercial auto insurance plan starting with liability coverage. Depending on your situation, they may recommend purchasing more than the minimum amount required by Virginia. You can choose comprehensive and collision coverage to protect your company’s vehicles. Gap coverage may be optional, depending on your lienholder’s requirements. Your agent may recommend other policies and endorsements to help tailor your company’s commercial auto policy, including: - Medical payments helps pay for medical bills if a company vehicle driver or passenger is injured in an accident. - Uninsured/underinsured motorist insurance helps cover damage to your company vehicle if you are in an accident with a driver who doesn’t have appropriate insurance coverage. - Umbrella insurance helps cover property damage and bodily injuries when a liability claim exceeds the limits of your company’s other liability policies. - Hired and non-owned auto insurance (HNOA) helps provide coverage for leased, personal and rented vehicles used by your company. Your agent may also recommend additional commercial auto coverage, including the following: - Replacement cost vehicle coverage How Much Is Commercial Auto Insurance? The insurer sets commercial auto insurance policy premiums. Proprietary algorithms may use information about your company, its property and your insurance coverage to help set rates, such as the following: - Your company’s claims history - The value and type of vehicles you insure - Your policy limits and the commercial auto policies you purchase How to Get Commercial Auto Insurance Contact HIS Insurance & Services in Winchester, Virginia, for a personalized commercial auto insurance quote.

https://www.his-insurance.com/commercial_auto/default.aspx

Steam boiler vs hot water boiler – what’s the difference? In this guide, we explain the differences between steam and hot water boilers, including the pros and cons of each type for various applications. What is a Steam Boiler? A steam boiler is a type of boiler that creates steam and uses it to heat water or produce electricity. It works by heating water in its base, which creates steam that rises up through an insulated pipe. This causes the pressure in the pipes to rise, pushing more water out of them and creating even more pressure. The result is very high-pressure steam at the top of your system, which can then be used for various purposes. What is a Hot Water Boiler? A hot water boiler is a water heater that heats water using an electric or gas-fired element. There are two types of hot water boilers: tankless and storage (also known as tank). It can be used in conjunction with an electric or gas-powered circulation pump to circulate heated water throughout your home’s plumbing system. The heating method for each type of boiler is different. A hot water boiler uses a heating element in the water tank, whereas a steam boiler uses one in its steam chamber. Both types of boilers can be used to heat domestic hot water or space heating systems by pumping heated liquid through pipes and radiators. Steam boilers are typically more energy efficient because they can be operated at higher temperatures, which results in fewer losses of heat due to conduction and radiation. Additionally, steam boilers use less fuel to produce the same amount of hot water than a comparable hot water boiler would require. Water level and circulation The water level in a steam boiler is an important factor to consider. The minimum recommended water level for your boiler should be between 1/4 and 1/3 of the total volume, but it’s also important that you maintain this level consistently throughout the operation. If there is not enough water in the boiler, it can lead to overheating and eventual failure of your machine. It is also important that you regularly check the water levels so that you know when it’s time for refilling or draining out some excess water from your system. The hot water boiler has a continuous circulation, which means that the water is constantly being heated and then circulated around the system. The steam boiler does not have this type of circulation; instead, it heats up only when needed. Steam boilers are used for commercial and industrial heating. They’re often used in large buildings such as schools, hospitals, and factories because they can produce a lot of heat quickly. In order to do this, steam boilers use high-pressure steam that expands into low-pressure steam when it leaves the boiler. Hot water boilers are used for residential heating systems because they typically have lower energy costs compared with other types of equipment like air conditioners or furnaces. Advantages of Hot Water Boiler In addition to being more energy efficient, hot water boilers also have a number of other advantages over steam boilers. These include: - Lower installation cost - Less maintenance required - Easier to install and maintain than steam boilers due to their simpler design and construction (no superheaters or reheaters) - More flexible in terms of how they can be used; can be used as an independent unit or integrated into an existing system Advantages of Steam Boiler Steam boilers have many advantages over hot water boilers, including: - Efficiency. Steam boilers are more efficient than hot water boilers. They produce more heat per unit of fuel, which means that you can use less energy to heat your home or business and save money on utility bills. - Durability. Steam boilers last longer than hot water boilers because they don’t have components that may break down over time like pumps and compressors do in some hot water systems, so it’s less likely you’ll need replacement parts down the road if something goes wrong. - Versatility. A steam boiler can be used for residential or commercial applications! If you want to take advantage of solar power for example but don’t want all those panels sitting around outside where anyone could see them then putting them inside would work. Disadvantages of Hot Water Boiler - Hot water boilers are less efficient than steam boilers. This means that you’ll be paying more in fuel costs, which can add up over time. - Hot water boilers are more expensive to install than steam boilers and may require significant modifications to your home’s piping system. - Hot water boilers are also more complex than steam boilers, so they’re harder to maintain and repair if there is a problem with them later down the line. Disadvantages of Steam Boiler The disadvantages of steam boilers are: - They require a lot of maintenance and repair. The steam boiler must be checked every year by an expert to ensure it is working properly and there are no leaks or faults in the system. If you do not take care of your boiler, it could break down when you need it most (for example during winter). This means that you will have to pay for repairs which can be costly if they are done at short notice or if parts need replacing. - Steam boilers are more expensive than hot water boilers because they don’t use as much energy compared with other types of heating systems such as electric heaters or radiators. - Because steam boilers don’t give out heat directly into rooms as central heating does, installation costs tend to be higher than with other types such as solar panels One of the most important things to consider when looking at boilers is maintenance. Many people are unaware of what it takes to maintain a boiler, but this can make or break your decision in choosing one over another. Steam boilers require more maintenance than hot water systems because they use steam to heat up water for both domestic use and industrial processes such as manufacturing and power generation. If you have no idea how much time or money you want to spend on maintaining your system, then it’s best not to invest in something like this until after doing some research first! The installation cost of the two types of boilers is also different. For example, a steam boiler costs less to install than a hot water boiler because it does not require an additional heat exchanger for heating water. The installation cost of steam boilers can range from $1,500 to $5,000. Hot water boilers typically cost between $1,000 and $2,000 depending on their size and capacity requirements. However, you should also take into consideration how much maintenance each unit requires and whether or not they are compatible with your existing system before making your final decision. In conclusion, we can say that both steam boilers and hot water boilers are used for heating. However, they differ in many ways. If you are considering upgrading or replacing the existing system in your home or business, please contact us today: +86 18623915479! Get your best price Quickly compare 3 FREE quotes - Engineer quick quote - The overall delivery speed is fast - Financial choice - Low installation costs and cost savings

https://www.oilboilersfactory.com/steam-boiler-vs-hot-water-boiler/

In the dynamic landscape of healthcare, OBGYN (Obstetrics and Gynecology) practices play a pivotal role in women's well-being. Effective patient care and financial stability are intertwined, making insurance verification a critical component of OBGYN billing. Proper insurance verification strategies not only ensure that patients receive the care they need but also maximize reimbursements for healthcare practices. In this comprehensive guide, we will explore the key insurance verification strategies that empower OBGYN practices to optimize reimbursements and maintain financial health. 1. Comprehensive Patient Data Collection Insurance verification begins with comprehensive patient data collection. At the initial point of contact, OBGYN practices should gather accurate patient information, including insurance details, policy numbers, and primary and secondary insurers. Ensuring data accuracy from the outset minimizes billing errors and reduces claim denials. 2. Real-Time Verification Real-time insurance verification is a powerful tool to confirm patient coverage and eligibility. Leveraging technology and integrated systems, OBGYN practices can verify insurance information in real-time during appointment scheduling or registration. This proactive approach allows practices to address insurance issues upfront and provide patients with cost estimates. 3. Verification of Benefits Understanding the specifics of a patient's insurance coverage is crucial for accurate billing. OBGYN practices should verify not only the patient's eligibility but also the scope of coverage. This includes checking coverage for prenatal care, ultrasounds, surgeries, and other services related to obstetrics and gynecology. 4. Coordination of Benefits (COB) Checks In cases where patients have multiple insurance plans, conducting Coordination of Benefits (COB) checks is vital. These checks ensure that primary and secondary insurers are appropriately coordinated, reducing the risk of underbilling or overbilling. COB checks help practices maximize reimbursements from both insurers. 5. Clear Communication with Patients Effective communication with patients regarding their insurance coverage is essential. OBGYN practices should educate patients about their benefits, including copays, deductibles, and any out-of-pocket expenses. Transparent communication fosters patient trust and encourages timely payments. 6. Continuous Staff Training The landscape of insurance is constantly evolving, with policy changes and new regulations. OBGYN practices should invest in continuous staff training to ensure that billing and administrative personnel stay updated on insurance industry trends and changes. Knowledgeable staff can navigate insurance complexities more effectively. 7. Preauthorization and Referral Management For services requiring preauthorization or referrals, OBGYN practices should proactively manage these processes. Delayed or denied preauthorizations can lead to claim denials and delayed reimbursements. Streamlining preauthorization and referral management is key to optimizing revenue. 8. Electronic Health Records (EHR) Integration Integrating insurance verification processes with Electronic Health Record (EHR) integration systems enhances efficiency. EHR systems can store and access insurance information, reducing manual data entry errors and ensuring that patient data is accurate and up-to-date. 9. Regular Claims Audits Regular claims audits help identify billing errors, coding discrepancies, or other issues that may affect reimbursement. OBGYN practices should conduct these audits to ensure that claims are submitted accurately and that payments are received promptly. 10. Partnering with Expert OB/GYN Medical Billing Services Collaborating with expert OB/GYN Medical Billing services can significantly streamline insurance verification processes. These specialized services have in-depth knowledge of OBGYN billing requirements, stay current with insurance industry changes, and employ dedicated teams to manage insurance verification efficiently. Insurance verification is not just an administrative task; it's a crucial element of OBGYN medical billing that directly impacts patient care and practice financial health. By implementing these insurance verification strategies, Obstetrics and Gynecology (OBGYN) practices can minimize billing errors, reduce claim denials, and optimize reimbursements. This ensures that patients receive the care they need without financial barriers while maintaining the financial stability of OBGYN practices. In the evolving landscape of healthcare, effective insurance verification is a cornerstone for success, benefiting both patients and healthcare providers alike.

https://www.reverbtimemag.com/blogs_on/insurance-verification-strategies-for-obgyn-practices-maximizing-reimbursements

Building site insurance is essential. It covers all the risks associated with the building site, including damage to the site itself, materials, and third-party claims as a result of injury. It is important to always carefully check the exclusions in any policy to ensure that you have sufficient coverage. If it excludes essential covers, you may need to take out additional insurance packages. You also need to understand the limits of the cover. Does it cover the full cost of materials? Does it include legal fees? In this guide, we will explore building site insurance in detail. We will also look at other essential insurance plans for building work or renovations. Can you insure a building site? Yes, you can take out policies that protect the construction site. This is essential for self-builds, renovations, conversions, and extensions. Site insurance covers the construction materials and other risks you may face on the construction site. The damage may be caused by natural disasters such as storms or floods. You will also be covered in case of theft or vandalism. Site insurance includes liability coverage in case people get injured on the building site. Site insurance generally helps to protect the builder against financial loss that may result from unexpected events. It is essential to choose flexible plans as builders have varying priorities. You should be able to choose the duration of the cover so that it suits the timeline of your project. The excess should also suit your risk appetite. When applying for the insurance coverage, you should explain all your preferences so that you receive a quote for the right coverage, tailored to your needs. Many companies will let you adjust the details of the policy during the lifetime of the construction project. Do I need insurance to be on a building site? Site insurance or construction insurance isn’t a legal requirement. The only insurance plan you must have is employers liability insurance. If you only employ direct family members, you will be allowed to operate without employers liability insurance. Other policies like site insurance may be included in the contractor conditions, but the government hasn’t made them mandatory. In most cases, the owner of the property or contractor will purchase the site insurance plan. The owner can purchase it to protect the investment during construction or renovation. It is also common for the owner and contractor to share the cost of site insurance. The owner may also purchase the plan and list the contractor as an additional insured party. What insurance do I need for building work? Aside from site insurance, there are several covers you need for building work. One plan you must take out is employers liability insurance. The UK government requires builders to take out this policy, particularly those who employ people outside their immediate families. Employers liability insurance provides coverage in case an employee becomes sick or injured as a result of their work on the construction site. Without the cover, the builder will have to compensate the employee, and this can result in major financial losses. Some costs covered in this plan include lost wages, legal fees, and medical expenses. You also need public liability insurance when working on construction sites. This protects the builder from claims made by third parties for injury or damage to property. It will cover the cost of defending against such claims. In case the court awards damages, the insurance company should cover the cost of these damages. You should note that public liability insurance doesn’t cover claims made by employees. Contractors all risk insurance is also essential for builders. It provides coverage to the contractor against risks associated with construction sites. These include damage to the site or materials. The cause of the damage may be natural causes like fires and floods. It could also result from vandalism or theft. Any cause that isn’t explicitly excluded from the insurance plan will be automatically included in the cover. The insurance company will also pay for the loss of profits that result from the delays because of the damage. You shouldn’t use contractors all risk insurance as a substitute for public liability insurance. It is advisable to get both plans to ensure that you are covered against all possible risks. Another type of insurance needed for construction work is professional indemnity insurance. In the case where a client claims you provided insufficient advice or services, this policy will cover your legal costs and expenses. The company will also cover the costs needed to rectify mistakes resulting from your work. While professional indemnity insurance isn’t required by the law, many clients will include them in their contractor conditions. Again, this doesn’t cover claims made by employees. What insurance do I need when renovating a house? Carrying out house renovations can boost the resale value of your home. When carrying out these projects, you will need to have sufficient insurance coverage. This will protect you against financial loss resulting from unexpected events like fires and vandalism. Home renovation insurance is a special type of policy that covers additional risks associated with the renovation of a house. The most common plans include public liability insurance, unoccupied property insurance, alternative accommodation, and building materials and equipment cover. As mentioned earlier, public liability insurance covers you in case someone gets hurt on the property during construction. It also covers damage to property. Unoccupied property insurance provides coverage for a variety of risks, including vandalism, theft, and fire. Since unoccupied properties are at a higher risk of being damaged or vandalised, the premiums can be high. You should carefully check the terms of the renovation insurance to determine which risks are excluded. Alternative accommodation insurance will cover the cost of finding and staying in alternative accommodation while the renovation is being completed. It may also include the costs of moving your items to the new residence. Finally, building materials and building equipment coverage will protect you from financial loss in case you lose or damage your construction tools. Builders use expensive and specialised equipment and replacing them can financially drain the company. For this reason, equipment cover is essential.

https://buildsafe.co.uk/what-to-look-for-when-taking-out-building-site-insurance/

The 2020 fire season started early, with multiple fires raging throughout Washington, Oregon, and California, three states where hemp farming has proliferated. Hemp Industry Daily profiled the damage, highlighting California farmers who lost their entire crop to the flames as well as Oregon farmers who doubted the retail value of hemp flowers damaged by wildfire smoke. These unfortunate stories highlight how important it is for farmers to invest in hemp crop insurance. There are no guarantees when it comes to farming, and the best way for farmers to manage their risk is through hemp insurance. However, with industrial hemp still newly legalized, what hemp insurance coverage is available for farmers? How much does it cost, and what do the available plans cover? In this article, we review the current state of industrial hemp crop insurance, including new insurance programs announced by the USDA. Why Farmers Need Hemp Crop Insurance Imagine what would happen if a wildfire ripped through your farm, destroying your entire crop. Don’t have wildfires in your area? What about hurricanes, floods, tornados, droughts, early frosts, diseases, or infestations? Even farmers who grow their crops in greenhouses are at risk of an equipment failure that can demolish their crops overnight. Every farmer faces the risk that their yields will disappoint, or they won’t get their crop to market due to an unforeseen disaster. For this reason, crop insurance can be a literal financial lifesaver, compensating farmers if the worst should happen. Crop insurance isn’t cheap, which is why some farmers continue to roll the dice and plant without insurance. However, with the threat of ever-increasing extreme weather patterns, more farmers are investing in crop insurance—that includes hemp farmers. The 2018 Hemp Farm Bill paved the way for hemp farmers to qualify for government-supported insurance. Currently, the federal government allows 15 private insurance providers to offer crop insurance to farmers, ranchers, and growers against certain types of crop loss. The government also helps subsidize premiums for many of these policies. Hemp Crop Insurance Options Today’s hemp farmers have a variety of insurance options to consider. In February 2020, the United States Department of Agriculture announced two insurance programs for hemp producers as well as two future programs to roll out in 2021. These USDA hemp crop insurance programs come with other certain caveats, but they represent a growing effort to offer insurance to hemp farmers. It’s important for farmers to do their homework to understand what insurance options they qualify for, the value vs. the cost of each option, and how much insurance they need. The current range of hemp insurance includes: - Multi-Peril Crop Insurance (MPCI) - Non-Insured Crop Disaster Assistance Program (NAP) - Nursery Crop Insurance and Nursery Value Select Crop Insurance - Whole-Farm Revenue Protection (WFRP) - Private hemp insurance Multi-Peril Crop Insurance In early 2020, the USDA announced a pilot Multi-Peril Crop Insurance program. As New Frontier Data explains, this USDA crop insurance “offers protection against various natural causes, including drought, excessive moisture, freeze, and disease.” The site also mentions that “MPCI often includes yield protection and price protection against market fluctuations.” This particular program provides 50/55 coverage, which means that if a farmer loses more than half of their average yield, losses are paid out at 55% of the average market price for that crop. Farmers can also seek additional coverage of up to 75/100 for an additional cost. One thing to note is that the MPCI does not cover prevented plant or replant payments. Not every farmer can take advantage of this USDA crop insurance. Currently, the pilot program is only available in select counties in the following 21 states: - New Mexico - New York - North Carolina - North Dakota To determine if your county is eligible, use this tool from the USDA. If you do live in a county where the USDA’s MPCI insurance is available, you’ll need to meet additional standards to qualify for the insurance. You’ll need to provide proof that: - You have a license to grow hemp in your state - You’ve been growing hemp for at least one year - You have a contract with a buyer for your crop - You are growing at least five acres of hemp for CBD and at least 25 acres for grain and fiber - You are not growing a prohibited variety of CBD hemp - Your hemp meets the strict compliance guidelines set out in the 2018 Farm Bill, meaning it must test below 0.3% THC. Non-Insured Crop Disaster Assistance Program What if you aren’t located in one of the participating counties covered by the USDA’s MPCI program? Then consider signing up for the second hemp insurance program announced by the USDA called the Non-Insured Crop Disaster Assistance Program (NAP). As described in a press release by the USDA’s Risk Management Agency (RMA), NAP “…provides coverage against loss for hemp grown for fiber, grain, seed, or CBD for the 2020 crop year where no permanent federal crop insurance program is available.” Like the MPCI program, the NAP offers 50/55 coverage as well as buy-up coverage in some cases. This particular RMA hemp insurance also covers prevented planting in certain situations. Also, like the MPCI, farmers who wish to gain NAP coverage must have a license to grow hemp, show proof of a contract to sell their product, and test below 0.3% THC. Learn more about the NAP. Nursery Crop Insurance Farmers who grow hemp indoors don’t have to worry about extreme weather destroying their crop, but what if the electrical system short circuits or their thermostat malfunctions? In 2021, the USDA plans to roll out two programs to support nursery farmers. According to the agency’s press release, both the Nursery Crop Insurance Program and the Nursery Value Selection pilot program will insure hemp grown in containers. Specific qualifications or requirements for this program have yet to be released. Whole-Farm Revenue Protection Many farmers plant more than one crop throughout the year. Rather than taking out an insurance policy on each individual crop, you can instead choose Whole-Farm Revenue Protection (WFRP) through the USDA. As the name implies, WFRP insures against the total income of your farm. WFRP can provide protection up to $8.5 million as long as you meet the program’s eligibility requirements, which includes having two or more commodities on your farm. Take a look at this helpful fact sheet to learn more about WFRP. Private Hemp Farm Insurance The USDA supports a large number of farming and agricultural insurance policies, but they aren’t the only insurers around. A private hemp insurance policy may be the right choice for you if you: - Don’t qualify for USDA hemp crop insurance - Would like a more customized hemp farm insurance plan - Want ancillary coverage beyond what the USDA offers - Want to compare costs and features - Want a policy that will offer protection in the event that your crop runs hot (above 0.3% THC) and must be destroyed - Want more coverage than what the USDA offers You might need to do more legwork to find an insurance company willing to develop a customized policy for you. Be ready to provide a wide range of information on your farming operation. According to an article on hemp insurance by PennState Extension, one private insurance company took location, end-use, and quality of the crop into consideration when pricing its policy. It also provided a policy cost ballpark of $200 to $500 per acre. What Hemp Crop Insurance Is Right for You? If you want to protect your future hemp profits from the unknown with hemp insurance, you have several different options to choose from. Whether you decide to enroll in MPCI, NAP, WFRP, or seek out private insurance options, do your homework. Look closely at the fine print of every policy and the history of the company you are working with, especially if you are solicited by an insurance agent. Another great way to lower the risk of an unsuccessful harvest is to invest in the highest quality hemp seeds. Our hemp strains are known for their robustness, and all of our seeds are strenuously bred to stay in compliance so you can easily qualify for and retain your hemp crop insurance.

https://highgradehempseed.com/blog/hemp-crop-insurance-programs/?testimonial_page=3

Cannizzo v. Guarantee Ins. Co.Annotate this Case JOSEPH J. CANNIZZO, Plaintiff and Respondent, v. GUARANTEE INSURANCE COMPANY, Defendant and Appellant. Field, DeGoff & Rieman, Walter Ryerson Rieman and Gayle M. Plummer for Defendant and Appellant. Rinaldo A. Carmazzi and Barbagelata, Broderick, Carmazzi & Arnold for Plaintiff and Respondent. On this appeal by Guarantee Insurance Company, hereafter appellant, from an order denying its motion for an order after judgment, the sole question presented is whether section 11580.2, subdivision (g) of the Insurance Code, entitles appellant to a setoff for payments made to its insured, respondent, under the medical payments provision of the policy against an award made under the uninsured motorist provision of that policy when there is no specific language in the policy providing for such setoff. The appeal is on an agreed statement which sets forth the following: Sometime after September 15, 1961 (the effective date of section 11580.2, subdivision (g) of the Insurance Code), appellant issued to respondent an insurance policy that was in full force and effect on January 9, 1964, the date of respondent's accident with an uninsured motorist. Part II of the policy provided for medical payment coverage in the amount of $2,000, and Part IV for uninsured motorist coverage. Appellant paid $2,000 to respondent pursuant to the medical payments provision. Thereafter, a dispute arose between the parties as to the amount due to respondent under the uninsured motorist provision. The matter was submitted to [245 Cal. App. 2d 72] an arbitrator who made an award calculated as follows: loss of wages $1,642.88, medical expenses $1,940.79, and general damages $3,916.33, a total of $7,500 plus $30 costs. On respondent's petition, the award was confirmed by the superior court without prejudice to appellant to pursue its claim for a setoff. To date, appellant has paid $5,530, the total amount of the judgment plus costs, less the claimed $2,000 setoff. This appeal is taken from the order denying appellant's motion for an order after judgment to compel respondent to execute and acknowledge satisfaction of the judgment, or in the alternative, an order for entry of satisfaction without execution. The only question presented is whether appellant is entitled to a setoff against its uninsured motorist's liability for the payments made to respondent under medical coverage even though there is no specific provision for such setoff in the policy. The pertinent portions of section 11580.2 of the Insurance Code are set forth in a footnote. fn. 1 [245 Cal. App. 2d 73] The Legislature has used the words "shall" and "may" at various places throughout this section. Well-recognized rules of statutory construction establish that while the word "shall" connotes mandatory action, the word "may" indicates permissiveness (Gov. Code, § 14; National Automobile etc. Co. v. Garrison, 76 Cal. App. 2d 415 [173 P.2d 67]). [2a] Thus where the code section states that the insured coverage "may be reduced" by the amount of medical payments made to the assured, it simply means that such a reduction is a matter to be determined between the insurance company and its assured. It follows that since there is no mention of the medical deduction in the insurance policy, it cannot be allowed. It would appear from the terms of the policy itself that the appellant company recognized the necessity of specifically providing therein for any exceptions or exclusions permitted by the code. The uninsured motorist provision of the policy provided that "Part IV. ... Any loss payable under the terms of this Part ... shall be reduced by the amount paid and the present amount of all amounts payable to him [the assured] under any workmen's compensation law, exclusive of non- occupational disability benefits." (Italics supplied.) These are the exact words of the statute but for the substitution of the word "shall" for "may." It is noteworthy that the policy contained no such exception as to medical payments. The rights of the parties are to be determined by the terms of their policy provided it grants benefits equal to or greater than those required by the statute (Grunfeld v. Pacific Auto. Ins. Co., 232 Cal. App. 2d 4, 6 [42 Cal.Rptr. 516]). The rule is that the exclusions and exceptions are construed strictly against the insurer and liberally in favor of the insured (Hendricks v. Meritplan Ins. Co., 205 Cal. App. 2d 133 [22 Cal.Rptr. 682]). The insured pays a separate premium for the uninsured motorist coverage and may wish to waive the coverage rather than be compelled to accept any reduction therein. Thus it is up to the insurance carrier to clearly provide for the permissive reduction provided for by the statute. Appellant relies on and cites Northwestern Mut. Ins. Co. v. Rhodes, 238 Cal. App. 2d 64 [47 Cal. Rptr. 467], to argue that under the holding of that case, the insured is not entitled to recover medical expenses under uninsured motorist benefits. Although it does not clearly appear from the language of the [245 Cal. App. 2d 74] opinion, fn. 2 the policy in that case, unlike the policy here, contained an express provision that medical payments should be deducted from any uninsured motorist award. Accordingly, the trial court found that the policy coverages were alternative and not cumulative and that the insured was not entitled to recovery under both parts of the policy. [2b] We conclude that in the absence of a specific provision in the policy in the instant case, appellant is not entitled to a setoff for the medical benefits paid to respondent. The order appealed from is affirmed. Shoemaker, P. J., and Agee, J., concurred. FN 1. Section 11580.2, subdivision (a): "No policy of bodily injury liability insurance covering liability arising out of the ownership, maintenance, or use of any motor vehicle, shall be issued or delivered in this State to the owner or operator of a motor vehicle, or shall be issued or delivered by any insurer licensed in this State upon any motor vehicle then principally used or principally garaged in this State, unless the policy contains, or has added to it by endorsement, a provision with coverage limits at least equal to the financial responsibility requirements specified in Section 16059 of the Vehicle Code insuring the insured, his heirs or his legal representative for all sums within such limits which he or they, as the case may be, shall be legally entitled to recover as damages for bodily injury or wrongful death from the owner or operator of an uninsured motor vehicle. The insurer and any named insured may by agreement in writing delete the provision covering damage caused by an uninsured motor vehicle. Such deletion by any named insured shall be binding upon every insured to whom such policy or endorsement provisions apply." (Italics partially supplied.) Subdivision (g): "An insured entitled to recovery under the uninsured motorist endorsement or coverage shall be reimbursed within the conditions stated herein without being required to sign any release or waiver of rights to which he may be entitled under any other insurance coverage applicable; nor shall payment under this section to such insured be delayed or made contingent upon the decisions as to liability or distribution of loss costs under other bodily injury liability insurance or any bond applicable to the accident. Any loss payable under the terms of the uninsured motorist endorsement or coverage to or for any person may be reduced: "(1) By the amount paid and the present value of all amounts payable to him under any workmen's compensation law exclusive of non-occupational disability benefits. "(2) By the amounts paid or due to be paid under any valid and collectible automobile medical payment insurance available to the insured. "(3) By the amount the insured is entitled to recover from any other person insured under the underlying liability insurance policy of which the uninsured motorist endorsement or coverage is a part." (Italics supplied.) FN 2. This is pointed out by respondent's letter dated January 14, 1966, and filed on January 17, 1966. Since to date appellant has not seen fit to challenge respondent's assertion, there is no need for this court to take judicial notice of the record in the Northwestern case, decided by the Fifth District on November 5, 1965. The case has now become final. In any event, in view of the language of appellant's policy, the cases are distinguishable.

https://law.justia.com/cases/california/court-of-appeal/2d/245/70.html

The reason for this growth can be attributed in part, to the industry’s rapid adoption of state-of-the-art tech within their operations. Many businesses are integrating the Internet with machinery, a concept known as The Internet of Things, which is simultaneously making businesses more efficient and creating new risks. In addition to traditional risk exposures such as equipment breakdown and regulatory changes, cyber risk is fast-becoming a major concern in manufacturing as the Internet of Things continues to gain popularity. Any one of these risk exposures can lead to high out-of-pocket costs if they’re not properly insured in the event of a loss. Forming a captive insurance company can help mitigate risks and thwart financial losses in the event of a cyber hack, or other peril. Essentially, comprehensive captive coverages can help business owners fill gaps in insurance that commercial policies may leave behind. Other ancillary financial benefits may also be available. The video below explains. Have questions? Call Capstone at 713.800.0550, or submit your information via the form. One of our experts will be in touch. We’ll discuss how we can help you or your client form a captive insurance company to insure the risks of your manufacturing business. Managing Growing Pains with Comprehensive Coverage According to data obtained by The Bureau of Labor Statistics, manufacturing businesses employed 12.3 million people, in March 2017. And according to the National Association of Manufacturers (NAM), The United States is seen increasingly as a viable location for global manufacturers, with foreign direct investment in the sector exceeding $1.2 trillion in 2015, an all-time high. It’s clear that the manufacturing industry’s future is bright, but mid-market businesses must remain vigilant in their risk management as they embrace more progressive technology and continue to face more traditional risks. Domestic/ foreign supplier concerns, federal, state, and local regulatory changes, and fluctuations in commodity and raw material prices caused by national disasters and political unrest can all be heavy hitters. This is why leveraging an alternative solution to risk management is critical. Forming a captive may be the right strategy for businesses that want to strengthen a their ability to recover from potential losses. Under a captive insurance arrangement, manufacturing companies pay premiums to the captive insurance company, just as they would to a commercial insurance company. Funds accumulate inside the captive and can fund losses in the case of a loss event. IRC 831(b) captives offer a 0% Federal income tax paid on the captive’s underwriting profits. Moreover, if there is undistributed earned surplus, as in the case where there are no claims made in a given year, the funds can be distributed as a dividend or as a secured loan back to the operating company. Premium costs are lower, because in the commercial markets, “special” coverages tend to be more expensive. In fact, these coverages may not be available at all commercially. Business owners have better control over their risk management efforts, more comprehensive coverages, and a more advantageous planning solution. Captive insurance for manufacturing companies is a powerful supplement to commercial insurance. Smart business owners who form their own captive insurance company can count on a new level of loss protection as they continue to combat risk. Examples of captive coverages include: - Cyber Risk - Regulatory Changes - Equipment Breakdown - General Liability - Products Liability - Loss of a Key Business Relationship - Loss of a Key Customer - Supply Chain Breakdown - Employment Practices Liability - And Many More Comprehensive Captive Planning for Manufacturing Businesses The benefits of forming a captive insurance company can be fully realized when business owners partner with an expert captive management team, like Capstone Associated Services. Capstone Associated Services, Ltd. is the most integrated and largest outsourced provider of captive insurance services for the U.S. middle market. Capstone offers platinum level captive planning and administers property & casualty captive insurance companies that provide alternative risk financing services throughout the U.S. With over 25 years of experience, Capstone provides turnkey services to businesses in the manufacturing industry, and many others. The company has an award-winning track record for standing with clients in the design, implementation, ongoing management, and defense of their property & casualty captive insurance programs. Capstone has successfully administered and successfully managed over 200 captives since 1998. Capstone's staff of professionals includes Chartered Property & Casualty Underwriters, insurance experts, risk managers, claims personnel, accountants, and administrators. Capstone’s expertise is bolstered by long-standing relationships with outside CPAs, risk managers, property & casualty professionals, and actuaries. Together, this team offers middle market companies the most comprehensive risk planning solution available. Learn More About Captive Insurance - Get the basics. "Captive Insurance Explained in Plain English" provides a simple overview of how captives work without the industry jargon. - Want a little more depth on captives? Check out our Captive Insurance page for more information. - See captives in action with "7 Ways Businesses are Using Captive Insurance."

https://www.capstoneassociated.com/what-we-do/captive-insurance-for-businesses/manufacturing/